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Iowa Payday Loans

Whether you’re short $100 or $800, as long as you have the ability to pay it back with one paycheck, payday loans might be your answer. In Iowa, as with the rest of the country, people are facing mounting debt, job loss, and a cost of living that can be tough to tackle. It can be hard to find that balance between living for today and saving for tomorrow, and when faced with a difficult situation many of us are not monetarily prepared.

What is a payday loan?

Payday loans are an easy way for people to find financial relief when they need it most. If you find yourself in a short term problem and you don’t have the funds to make things work, payday loans help you take out an advance on your upcoming paycheck to solve your situation.

There are many online and in-person companies that offer this cash advance solution. In order to obtain a payday loan in Iowa, you will be required to provide certain information in an application. This could include, but is not limited to:

  • The reason why you are borrowing the funds
  • Your driver’s license
  • Your Social Security Number
  • You pay-stub or other means of verifying your income
  • A void check or your bank account information

The actual application process is quite quick, often taking less than an hour from start to end. Your loan officer will take down your information, input it into their computer system, and file your paperwork. Once that is completed they will either hand you cash or cut you a check. It’s that easy!

What if my credit score is low?

Almost all payday loan companies report to the major credit bureau agencies, but few of them require credit checks on their clients. This means that even if you have a recovering credit score or bankruptcies on your report, you will likely still be eligible for a payday loan. By paying your loan back on time, you will actually improve your credit score if the company you choose to work with reports their lending.

What can I use the money for?

Payday loans can be used for nearly anything. While your loan officer will likely ask you why you are borrowing the money, it is simply for their own auditing and tracking purposes. If you have a need for the money, then you can use a payday loan. Of course, these types of advances are only useful for short-term financing issues, as they must be paid back within one payroll cycle.

Here are some of the reasons why people in Iowa are turning to cash advances:

  • Medical expenses
  • Prescriptions
  • Unexpected traveling
  • Sick family members
  • Auto repairs
  • Home renovations
  • Vet costs
  • Delayed vacation or insurance payouts

If you’ve found yourself in an unexpected scenario and need money to help you make it through, consider applying for a payday loan. Just an hour worth of your time could have you on your way to dealing with life’s little quirks without added the added stress of needing money.