Cedar Rapids Payday Loans

Getting a Payday Cash Advance in Cedar Rapids, IA has never been easier!


Our Cedar Rapids lenders are ready to help you pay bills. Just follow the simple application and you can have money in your account tomorrow!


  • Get Approved in Minutes
  • Money in your Account Tomorrow
  • Easy Application Process
  • Safe, Secure and Confidential


We have been working with payday loans and payday lenders in Cedar Rapids, Iowa for many years, so we know how to help consumers like you pay bills and medical expenses on time!

Iowa Payday Loan Regulations:


Payday Loan Maximum - $500
Loan Term Length - Max: 31 days
Maximum Finance Rates - $15: $0-$100 on face of check; $10 per $100 thereafter
Charge for a 14-day $100 loan - $16.67
APR for a 14-day $100 loan - 433%


Apply for Payday Loans in Cedar Rapids



Serving Cedar Rapids Zip Codes: 52401, 52402, 52403, 52404, 52405, 52406, 52407, 52408, 52409, 52410, 52411, 52497, 52498, 52499,


Chec King Payday Advance
(319) 378-0500
600 Blairs Ferry Rd NE
Cedar Rapids, IA 52402
EZ Money Check Cashing
(319) 363-2200
266 Blairs Ferry Rd NE
Cedar Rapids, IA 52402
EZ Pawn
(319) 287-9053
920 Laporte Rd
Waterloo, IA 50702
American Payday Loans
(319) 362-5600
3200 16th Ave SW
Cedar Rapids, IA 52404
Money & More
(319) 883-4109
723 Franklin St
Waterloo, IA 50703
EZ Money Check Cashing
(319) 226-6185
700 Laporte Rd
Waterloo, IA 50702
Money & More
(319) 236-3208
1516 La Porte Rd
Waterloo, IA 50702
American Payday Loan
(319) 232-3030
1622 University Ave
Waterloo, IA 50701


Thinking Of A Payday Loan What You Must Know

Tips for Cedar Rapids Payday Loan Consumers


You know what it is like to feel worried because you have no options if you have ever had money problems. Fortunately, payday loans exist to help people like you get through a tough financial period in your life. However, you need to have the right information to have a good experience with these kinds of companies in Cedar Rapids, IA. Here are some tips to help you.


For those considering payday loans, make sure you know when you plan to repay it. If repayment is slow, additional fees and charges can accumulate, interest charges on such loans are generally quite high, and.


A key tip for those of you applying for payday loans is not to lie on your application. This can result in fraud, which can hurt your chances of getting a loan and put you in trouble with the law.


When considering taking out a payday loan, be sure you understand the repayment method. Sometimes you may have to send the lender a post dated check that they will cash on the due date. Other times, you will just have to provide them with your checking account information, and they will automatically deduct your payment from your account.


Because lenders in Cedar Rapids have made it so easy to get a payday loan, many people use them when they are not in a crisis or emergency situation. They are in a horrible position because they are already overextended, this can cause people to become comfortable paying the high interest rates and when a crisis arises.


Do not wait for an answer if you have applied for a payday loan and have not heard back from them yet with an approval. A delay in approval in the Internet age usually indicates that they will not. This means you need to be on the hunt for another solution to your temporary financial emergency.


The best way to use a payday loan is to pay it back in full as soon as possible. Thefees and interest, and other costs associated with these loans can cause significant debt, that is almost impossible to pay off. So when you can pay your loan off, do it and do not extend it.


Read all the fine print on anything you read, sign, or might sign at a payday lender. Ask questions about anything you do not understand. Assess the confidence of the answers given by the employees. Some simply go through the motions all day, and were trained by someone doing the same. They might not know all the fine print themselves. Never hesitate to call their toll-free customer service number, from inside the store to connect to someone with answers.


When taking out a payday loan, it is important that you do your research. You do not want to blindly believe an advertisement, because you are not getting the entire story. Talk to other people who have taken out this type of loan. Alternatively, read some of the company reviews on the Internet.


Do not let advertisements lie to you about payday loans some lending institutions do not have your best interest in mind and will trick you into borrowing money, so they can charge you, hidden fees and a very high interest rate. Do not let an ad or a lending agent convince you make the decision by yourself.


Try to avoid obtaining loans from lenders in Cedar Rapids that have 20 percent fees on the amount you borrowed. They should never be higher than this benchmark, though payday loan rates are quite high.


If you have a decent credit score, apply for a low fee payday loan. This type of loan usually has lower interest rates, and no hidden fees. The lender will need to check your credit report. This should not take more than 24 hours and should be your best option, if your credit score is not too low.


If you are thinking about getting a payday loan, you must be sure to consider the interest rate. Every company will charge you a different interest rate than the other companies in Cedar Rapids, IA. Be sure to shop around. You can a great deal of money if, you find a payday loan with a relatively low rate.


If you need money, do not just jump right to a payday loan. See if you can get a payment plan for your expenses or borrow from a friend. Payday loans should only be taken out in emergency situations when you have no other options.


Be sure you pick a reliable payday loan company. Some payday lenders in Cedar Rapids act more like the mafia than reputable businesses. Some might even threaten to send Guido over to break your kneecaps if you don't pay up. A reliable loan company will just charge more if it's not repaid in full at the end of the loan term.


Do not consider payday loans unless there is some type of emergency. If you don't absolutely have to get something, refrain from buying it. A dress or piece of furniture could wait so that you can pay for essentials first. It simply wastes your money. Keep in mind that repayment will be due soon.


Pay your loans back on time. Debt can snowball on you, but none can get you into a financial hole more than payday loans. The interest rates are eye-popping. If you have an outstanding payday loan right now, pay it off quickly. Weekly or bi-weekly payday loan fees can run into hundreds and even thousands of dollars.


Payday lenders in Cedar Rapids only loan to legal adults. Legal age in the U.S. is 18 years old. You must be a legal adult to sign the loan agreement. This applies whether it is in person or online.


Before applying for a payday loan is critical, getting the right information. You need to go into it calmly. Hopefully, the tips in this article have prepared you to get a payday loan that can help you, but also one that you can pay back easily. Take your time and choose the right company so you have a good experience with payday loans.


Cedar Rapids Payday Advance Lender

Receiving a Payday Loan in Iowa has never been easier! Our process is safe and secure. That's why people choose USAPaydayLoansQuickly.com for their advance loan needs! - Apply Now!


Other Iowa Payday Loan Locations:
Cedar Falls, Council Bluffs, Marion, West Des Moines,

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