Hometown Cash Advance Payday Loans Review - Ames, Iowa

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4.2 15 reviews
Loan agency in Ames, Iowa

118 Lincoln Way, Ames, IA 50010, USA
7 years in business
+1 (515) 232-8887
Friday
10AM–6PM
Saturday
10AM–2PM
Sunday
(Easter)
Closed
Monday
10AM–6PM
Tuesday
10AM–6PM
Wednesday
10AM–6PM
Thursday
10AM–6PM
Testimonials

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Here you get acquainted with the reviews of our clients.
Note

Pay Attention

Further there will be shown the details about not a definite lending company. The information below will tell about shared information about payday loans and its specific aspects.

Payday Loans in Ames, Iowa

Payday loans are a kind of loans issued by payday lender to people for a short period of time - usually 2 to 3 weeks. It is taken out a small amount: $100-$1,000.

Such financial products as payday loan in Ames, Iowa is taken out simply and fast for a short term: 2-3 weeks. The interest rates are established on an individual basis relative to the person-related data: the more payday loans you pay back off, the more reasonable rates a customer will recieve.

APR

337% *

Max Loan

$500

Min Term

Not Specified

Max Term

31 days

How will Hometown Cash Advance help issue a loan in Ames, Iowa?

  • 24/7 operation. Such Internet services allow you to get funds at any time. Money are issued day and night. The deposit will be sent to a account, so a personal visit to the store is not necessary.
  • No paperwork. The list of required documents is minimal. In most cases, an ID is needed. You do not need to provide a certificate of income.
  • Online application. The application is filled in and processed much faster than in banks. Money is deposited within 24 hours after receiving approval.
  • High approval level. When it relates to small amounts, a positive answer comes up 98%.
  • Availability. Banks provide loans at more stringent requirements on their borrowers. Age limits and bad credit will become barriers to taking out a loan. Payday lenders are more loyal to borrowers. The presence of minor delays and a low credit rating does not guarantee rejection.
Fill out an application

What data to fill in in the application? - General Info

To submit an application, every customer should fill out the following data:
Loan Amount, Loan Purpose, Email Address
First Name, Last Name, Date Of Birth, Primary Phone Number, Driver's License Number, Your SSN
Zip Code, Street Address
How often do you get paid?, Next Paydate, Type of Account, How do you get paid?
Your Income Source, Are you in the military?, Your Employer Name, Your Monthly Net Income, Your Employer Phone Number
If you have $10,000+ in unsecured debt and would like one of our partners to contact you?, What`s your approximate credit rating?
Select your Bank, Select your Bank’s State, ABA/Routing Number, Account Number

Then you should submit an application to get an offer from one of payday lenders.

Reasons

Why people take out payday loans?

Utility Bills

21%
Healthcare Bills

24%
Traveling

18%
Car Repair

6%
Clothes

9%
Bad Credit Approved

Payday loans for bad credit

Bad credit history is a adverse factor that is considered by financial institutions. Microfinance organizations in Ames, ia review this circumstance not a drawback to issue a loan. The recipient of a loan should be prepared to objectively assess financial abilities, issue a loan, pay back the debt on time and not only cope with current difficulties, but improve the credit rating.

The following common points will be estimated before applying for a payday loan:

  • be at least 18 years old;
  • be a U.S. citizen;
  • be employed and have a reliable source of income;
  • have a checking account;
  • have a valid email address and phone number.
~ Credit score ~

Rate Your Credit Score

Low
300 – 579 points
  • No way to issue a loan
  • No ability to rent a room
Average
670 – 739 points
  • 80% of loan approval
  • Apply for all loan types
Perfect
740 – 799 points
  • 95% of loan approval
  • Apply for all loans incl. mortgage
Rate your APR

APR Calculator

This calculator serves to calculating the annual percentage rate. This is a definite cost of the payday loan.

Let's see

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Bank of the West

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United Bank of Iowa

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Bank of the West

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Security National Bank

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Iowa State Bank

104 NW Elm St, Corwith, IA 50430, USA

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www.bankisb.com