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Payday Loans Online in Ames, IA
Ames, IAPayday Loans Online

Get Online Payday Loans in Ames, IA

4.4059405940594
Apply online for fast Payday Loans from the best Ames, IA direct lenders to get quick and easy money.

Get a short-term cash advance with no credit check. You can qualify for Ames cash loan even with no bank or checking account. Bad credit is not a problem to get approved for a fast Payday advance in Ames either. Just fill out a free application form online and get an instant decision from multiple lending companies within a few minutes.

For guaranteed short-term financing request a Payday Loan Online in Iowa from a legit direct lender. It will take you just a few minutes to complete the application and have it processed. Once approved, you'll get the funds the same day.

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Are Payday Loans Legal in Ames, IA ?

Loan Rates and Fees, Laws and Regulations in Iowa.

The maximum for Payday loans in Iowa is $500 which must be repaid within 31 days. It’s absolutely legal. Payday lending is regulated by Iowa Code Ann. 533D.1 et seq1. The APR is 433%, finance charge - $16.67. The fees shouldn’t exceed $15. Iowa residents can get two outstanding loans but not more than $500 in total. But no rollovers or extensions are allowed. The debt must be repaid on time. Otherwise, the collection fee for non-sufficient funds counts $15.

Law statuslegal
MIN Loan Amount$100
MAX Loan Amount$500
MIN. Loan Term14 days
MAX. Loan Term31 days
MIN APRVaries by lender
MAX APR433%
Additional fees$16.67 for every $100 borrowed for a fortnight
NSF fee$15
Collateral or guarantorNone, unsecured
Number of simultaneous loans2
Cooling off periodNone
RolloverNone
Extension, repayment planNone
Default penaltiesCriminal actions are prohibited
Credit score requirementsAvailable for Bad Credit
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Apply for online Payday Loans and get instant decision from the best Ames lending organization

TOP RATED COMPANIES

Rates last updated March 28th, 2024
5
(1 vote)
E-Skills Loans
Available for Bad Credit
4.537037037037
(810 votes)
Funded Justice
$1,000
Max Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

200%
Min APR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.1394025604552
(1K+ votes)
Indylend
$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000 for Payday Loans, $1000 - $5000 for Installment loans, and up to $15,000 for Personal loans. But it may vary depending on the lender and his requirements.

200%
MIN APR

The percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral, or Co-signer

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.5059328968903
(4K+ votes)
LEND YOU
$1,000
MAX Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

17,5%
MIN MPR

The minimal percentage allowed that actually represents monthly cost of your loan. The MPR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral or Guarantor

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit
4.7931873479319
(822 votes)
Smart Pig
$1,000
Max Loan Amount

It’s the maximum sum of cash advance allowed to apply for in the state. It usually ranges from $500 to $1000. But it may vary depending on the lender and his requirements.

15,5%
Min MPR

The minimal percentage allowed that actually represents annual cost of your loan. The APR is based on several things, including the amount you borrow, the interest rate and costs you’re being charged, and the length of your loan.

None, Unsecured
Collateral

Collateral – is some kind of your property which ensures the lender that you will repay the money. Guarantor – is a person that sings the agreement thus giving his guarantee that you will repay the loan. Payday loans are unsecured which means to get cash advance you don’t need either a collateral or guarantor.

Available for Bad Credit

Cash Advance and other Money Offers in Ames, IA

Up to $5,000 instant cash with guaranteed approval from direct lender with a few months of scheduled installments.
$5,000 - $35,000 quick loans for any personal needs. Available for any credit score and don't require any collateral.
Fast Title Loans secured by your vehicle title as collateral. No inspection. No credit checks. Instant cash for bad credit same day.

Payday Loans Available in Ames, IA by the following ZIP codes:

50010 50011 50012 50013 50014
  • Easy online application
  • Bad credit is OK
  • Instant approval
  • No credit check considered
  • Competitive rates
  • Same day financing

In 2024 there are 66,191 people living in Ames, IA. According to the statistics, 3971 of them look for "Payday Loans Near Me in Ames, IA" or apply for Ames Payday Loans online in need of emergency short-term financing. No wonder, these people request instant cash as their median household income is 41616. That's why COMPACOM was designed - to help customers complete a quick and easy application form 100% online and get guaranteed approval from the best Ames, Iowa direct lenders.

Payday Loans Store Locations in Ames, IA

Check Into Cash
Advance America
Advanced Cash
Hometown Cash Advance

FAQ

 

How to qualify for online Payday Loans in Ames, IA?

 

How Ames Payday Loans online work?

 

Can I get a Payday Loan with bad credit in Ames, IA?

 

Do Ames lenders offer no credit check Payday Loans?

 

How fast can I get a Payday Loan in Ames, IA?

 

Do lenders in Ames, IA require a certificate from the employer?

 

How long does an online payday loan take?

 

Do you have to specify the purpose of a payday loan?

 

Can I take a payday loan at Compacom if I have a liability with another loan company?

 

How to sign a payday loan agreement?

 

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