Des Moines, IA Cash Advance Loans

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Advantages of Taking Out a Payday Loan in Des Moines

Payday loans can help Des Moines residents who are dealing with unexpected cash shortages or  are under financial strain. Payday loans are cash-advances that borrowers pay back at the time of their next paycheck. Potential borrowers can apply online, and approved applicants often have funds in their accounts within a few business days. Loan amounts can range from $100 up to $5,000, depending on a borrower’s next paycheck amount.

How to Use Payday Loans in Des Moine

Most Americans are unprepared for a financial emergency. Indeed, more than half (53%) of American households do not have an emergency savings account, according to the AARP. Payday loans and cash advances can provide a cushion for Des Moines residents who run out of cash before their next payday and have to mitigate unexpected expenses. Some common uses for payday loans include:

  • Covering medical expenses, prescriptions, and over-the-counter medication costs
  • Paying for home or vehicle repairs
  • Managing living expenses between paydays
  • Buying a major appliance or other big-ticket items
  • Funding unexpected educational expenses

Applying for a Payday Loan

People applying for a payday loan in Iowa can be done at a store-front lender, or online. While requirements differ between lenders, most will request the following information from applicants: 

  • Proof of age and address
  • Bank account, employer, and income information
  • Social Security number
  • Information about any alternative income that may lower the borrower's debt-to-income ratio

Residents with poor credit or who receive alternative forms of income such as government benefits, alimony, child support, self-employment income, royalties, and income from investments are still eligible to apply for a payday loan. Payday loan approval is based on income and debt-to-income ratio, and credit rating, but considerations are less strict than those affiliated with conventional loans from banks or credit unions.  

Some lenders allow borrowers to write a postdated check for their loan amounts. In such cases, lenders may debit the borrower's bank account for the loan principal plus interest charges or request that borrowers make arrangements to pay off the loan with cash and reclaim the postdated check after.


What are the Risks of Taking out Payday Loans in Des Moine?
 

Payday loans in Des Moines, IA, carry high-interest rates and steep rollover fees. Borrowers who are unable to repay their loans often find themselves taking out further loans to pay back their original debts. Consumers who fall into this pattern may find themselves in a cycle of liability that makes it harder to become financially stable. Potential borrowers should be aware that payday loans are not long-term financing options and should assess their ability to afford one before applying.

Favorite Des Moines, IA Cash Advance and Payday Loan Companies

Company name
Address
Phone
A To Z Pawn
200 Euclid Avenue Des Moines IA, 50313
515-245-9660
ACE AMERICAS CASH EXPRESS
1901 Carpenter Ave Des Moines IA, 50314
515-243-1204
ACE AMERICAS CASH EXPRESS
3428 Martin Luther King Jr Pkw Des Moines IA, 50310
515-279-6829
Advance America
2325 Euclid Avenue Des Moines IA, 50310
515-255-2560
Advance America
5132 Southeast 14Th Street Des Moines IA, 50320
515-285-8474
Advance America Cash Adva
3814 70Th St Des Moines IA, 50322
515-253-0900
American Payday Loans
3148 Se 14Th St Des Moines IA, 50320
515-288-4447
American Payday Loans
3148 Southeast 14Th Street Des Moines IA, 50320
515-288-4447
Cash Now
3100 Ingersoll Ave Des Moines IA, 50312
515-277-9777
Check Cashing Inc
3520 2Nd Ave Des Moines IA, 50313
515-288-1181
Check Cashing Plus
3520 2Nd Avenue Des Moines IA, 50313
515-288-1181
CHECK INTO CASH
200 Army Post Rd Des Moines IA, 50315
515-287-9980
CHECK INTO CASH
4125 University Ave Des Moines IA, 50311
515-255-2443
Check Into Cash
4125 University Avenue # A Des Moines IA, 50311
515-255-2443
Check Into Cash
2584 Hubbell Avenue Des Moines IA, 50317
515-262-4233
Check Into Cash Of Iowa
200 Army Post Road Suite 50 Des Moines IA, 50315
515-287-9980
Check Into Cash Of Iowa Inc
4125A University Ave Des Moines IA, 50311
515-255-2443
Check Into Cash Of Iowa Inc
200 Army Post Rd Ste 50 Des Moines IA, 50315
515-287-9980
Check Into Cash Of Iowa Inc
2584 Hubbell Ave Des Moines IA, 50317
515-262-4233
Depositors Cash Advance Corp
3428 Mrtn Lthr Kng Jr Pky Des Moines IA, 50310
515-279-6829
E-Z Money Check Cashing
1238 East 14Th Street Des Moines IA, 50316
515-262-2552
Ez Money Check Cashing
904 Army Post Road Des Moines IA, 50315
515-953-5100
EZ MONEY CHECK CASHING
1238 E 14th St Des Moines IA, 50316
515-262-2552
EZ MONEY CHECK CASHING
2740 Douglas Ave-Ste B Des Moines IA, 50301
515-274-5200
EZ MONEY CHECK CASHING
3112 Merle Hay Rd Des Moines IA, 50310
515-251-8672
EZ MONEY CHECK CASHING
2740 Douglas Ave Ste B Des Moines IA, 50310
515-274-5200
EZ MONEY CHECK CASHING
2910 E University Ave Des Moines IA, 50317
515-266-7980
Ez Money Check Cashing
2910 East University Avenue Des Moines IA, 50317
515-266-7980
Ez Money Check Cashing
2740 Douglas Avenue Des Moines IA, 50310
515-274-5200
Ez Money Check Cashing
3314 Indianola Avenue Des Moines IA, 50315
515-243-5979
Ez Money Check Cashing
904 Army Post Rd Des Moines IA, 50315
515-953-5100
Ez Money Check Cashing
3314 Indianola Ave Des Moines IA, 50315
515-243-5979
Ez Money Check Cashing
3112 Merle Hay Road Des Moines IA, 50310
515-251-8672
Fast Bucks Payday Loans
1918 Southeast 14Th Street Des Moines IA, 50320
515-282-3200
Globe Cash Advance
2740 Douglas Avenue Des Moines IA, 50310
515-279-6829
Globe Cash Advance
2827 Easton Boulevard Des Moines IA, 50317
515-262-7200
Hilltop Check & Loan
2805 Hubbell Avenue Des Moines IA, 50317
515-266-7190
HOMETOWN CASH ADVANCE
1335 E University Ave Des Moines IA, 50316
515-265-5556
HOMETOWN CASH ADVANCE
3001 Sw 9th St Des Moines IA, 50315
515-243-2930
HOMETOWN CASH ADVANCE
4212 Douglas Ave Ste D Des Moines IA, 50310
515-255-0400
Mister Money Usa
3025 Southeast 14Th Street Des Moines IA, 50320
515-280-6803
Mister Money Usa
3820 East 14Th Street Des Moines IA, 50313
515-261-0306
MISTER MONEY USA
3820 E 14th St Des Moines IA, 50313
515-261-0306
MISTER MONEY USA
3025 Se 14th St Des Moines IA, 50320
515-280-6803
PAY DAY EXPRESS
2438 Hubbell Ave Des Moines IA, 50317
515-262-0762
PAYDAY EXPRESS
3947 E 14th St Des Moines IA, 50313
515-262-5442
QUICK CASH INC
1300 Cummins Rd Des Moines IA, 50315
515-287-8785
Rio
3940 East 29Th Street Des Moines IA, 50317
515-262-2220
Xact
3940 East 29Th Street Des Moines IA, 50317
515-225-1636

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