Payday Loans or “Quick Cash” loans come in real handy when you are short on cash. Today you can go to brick and mortar business for a payday loan or cash advance loan and you can even get online payday loans. The interest rates are a little healthy, but the speed and convenience of getting the cash quick to cover an unexpected expense overrides the costs.
These are the rules, laws and regulations of payday loans in Iowa.
Iowa Payday Loan Laws
Legislation State Information
Payday Loan Legal Status: Legal
Citation:
Iowa Code Ann. § 533D.1 et seq.
Payday Loan Terms:
Maximum Loan Amount: $500
Payday Loan Term: Max: 31 days
Maximum Finance Rate and Fees: $15 – $0-$100 per payday loan – $10 per $100 payday loan amount thereafter
Finance Charge for 14-day $100 payday loan: $16.67
APR for 14-day $100 payday loan: 433%
Payday Loan Debt Limits:
Maximum Number of Outstanding Payday Loans at One Time: Two
Rollovers Permitted: None – cannot repay, refinance or consolidate
Cooling-off Period:
Repayment Plan:
Payday Loan Collection Limits:
Collection Fees: One $15 NSF fee
Criminal Action: Not Specified
Regulator: Iowa Division of Banking
Address: 200 East Grand Avenue
Suite 300 Des Moines IA 50309
Phone: (515) 281-4014
Fax: (515) 281-4862
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Payday Loans or “Quick Cash” loans come in real handy when you are short on cash. Today you can go to brick and mortar business for a payday loan or cash advance loan and you can even get online payday loans. The interest rates are a little healthy, but the speed and convenience of getting the cash quick to cover an unexpected expense overrides the costs.
These are the rules, laws and regulations of payday loans in Indiana.
Indiana Payday Loan Laws
Legislation State Information
Payday Loans Legal Status: Legal
Citation:
Ind. Code Ann. § 24-4-4.5-7-101 et seq.
Payday Loan Terms:
Maximum Payday Loan Amount: $550 – not to exceed 20% of borrower’s monthly gross income
Payday Loan Term: Min: 14 days
Maximum Finance Rate and Fees: 15%: $0-$250; 13%: $251-$400; 10%: $401-$500
Finance Charge for 14-day $100 payday loan: $15
APR for 14-day $100 payday loan: 390%
Payday Loan Debt Limits:
Maximum Number of Outstanding Loans at One Time: One per lender; Two total
Rollovers Permitted: None (cannot renew, repay, refinance or consolidate)
Cooling-off Period: 7 days after 6 consecutive payday loans
Repayment Plan: After 3 consecutive payday loans
Lenders must offer an extended payment plan of at least four equal installments at no additional cost
Payday Loan Collection Limits:
Collection Fees: One $20 NSF fee
Additional charges may apply when check or authorization to debit was used to defraud another
Criminal Action: Prohibited
Regulator: Indiana Department of Financial Institutions
Address: 30 South Meridian Street, Suite 300 Indianapolis IN 46204
Phone: (800) 382-4880
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Payday Loans or “Quick Cash” loans come in real handy when you are short on cash. Today you can go to brick and mortar business for a payday loan or cash advance loan and you can even get online payday loans. The interest rates are a little healthy, but the speed and convenience of getting the cash quick to cover an unexpected expense overrides the costs.
These are the rules, laws and regulations of payday loans in Illinois.
Illinois Payday Loan Laws
Payday Legislation State Information
Payday Loan Legal Status: Legal
Citation:
Ill. Comp. Stat. Ann. § 122/1-1
Payday Loan Terms:
Maximum Loan Amount: lesser of $1000 or 25% gross monthly income
Loan Term: 13-45 days
Maximum Finance Rate and Fees: $15.50 per $100 payday loan
Finance Charge for 14-day $100 payday loan: $15.50
APR for 14-day $100 loan: 403%
Payday Loan Debt Limits:
Maximum Number of Outstanding Payday Loans at One Time: Two
Rollovers Permitted: None – cannot rollover
Cooling-off Period: 7 days after 45 consecutive loan days
Repayment Plan: Yes
Payday Loan Collection Limits:
Collection Fees: One $25 NSF fee
Presentment limit = 2
Criminal Action: Prohibited
Get Information:
Regulator: Illinois Division of Financial Institutions
Address: Consumer Credit Section, 320 W. Washington Springfield IL 62701
Phone: (888) 298-8089
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In Hawaii, Payday Loans or “Quick Cash” loans come in real handy when you are short on cash. Today you can go to brick and mortar business for a payday loan or cash advance loan and you can even get online payday loans. The interest rates are a little healthy, but the speed and convenience of getting the cash quick to cover an unexpected expense overrides the costs.
These are the rules, laws and regulations of payday loans in Hawaii.
Hawaii State Information
Payday Loan Laws & Legislation
Payday Loan Legal Status: Legal
Applies to check cashers only
Citation:
Hawaii Rev. Stat. Ann. § 480F-1 et seq.
Payday Loan Terms:
Maximum Payday Loan Amount: $600
Payday Loan Term: Max: 32 days
Maximum Finance Rate and Fees: 15% of check
Finance Charge for 14-day $100 payday loan: $17.65
APR for 14-day $100 payday loan: 459%
Payday Loan Debt Limits:
Maximum Number of Outstanding Payday Loans at One Time: One
Rollovers Permitted: None – cannot refinance or consolidate payday loan
Cooling-off Period:
Repayment Plan:
Payday Loan Collection Limits:
Collection Fees: $20 NSF fee; Check Casher that accepts check passed on insufficient funds not entitled to recover damages
Criminal Action: Prohibited
Unless check returned due to closed account or
stop-payment by maker
Regulator: Hawaii Department of Commerce and Consumer Affairs
Address: Consumer Resource Center, 235 S. Beretania Street, Rm 801 Honolulu HI 96813
Phone: (808) 587-3222
Fax: (808) 586-2640
Ahuimanu
Aiea
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Haiku-Pauwela
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Hawaiian Paradise Park
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Payday Loans or “Quick Cash” loans come in real handy when you are short on cash. Today you can go to brick and mortar business for a payday loan or cash advance loan and you can even get online payday loans. The interest rates are a little healthy, but the speed and convenience of getting the cash quick to cover an unexpected expense overrides the costs.
These are the rules, laws and regulations of payday loans in Georgia.
Georgia Payday Loan Laws
Legislation State Information
Payday Loan Legal Status: Prohibited
Citation:
Industrial loan act applies. Ga. Code Ann.§ 7-3-14. Ga. Comp. R. & Regs. r. 80 § 3-1.02(7) and O. C.G.A. Section 16-17-1 et seq.
Small Loan Rate Cap
16% per year – 10% per year discounted plus fees
60% per year criminal usury cap
Regulator: Georgia Office of the Commissioner of Insurance
Address: Industrial Loan Division, Two Martin Luther King, Jr. Drive West Tower, Suite 704 Atlanta GA 30334
Phone: (404) 656-2070
Fax: (404) 657-8542
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Payday Loans or “Quick Cash” loans come in real handy when you are short on cash. Today you can go to brick and mortar business for a payday loan or cash advance loan and you can even get online payday loans. The interest rates are a little healthy, but the speed and convenience of getting the cash quick to cover an unexpected expense overrides the costs.
These are the rules, laws and regulations of payday loans in Florida.
Florida Payday Loan Laws & Legislaion State Information
Payday Loan Legal Status: Legal
Citation:
Fl. Stat. Ann. § 560.401 et seq.; Rule 69V-560.901-912
Payday Loan Terms:
Maximum Loan Amount: $500
Payday Loan Term: 7-31 days
Maximum Finance Rate and Fees: 10% + verification fee
Finance Charge for 14-day $100 loan: $15
APR for 14-day $100 loan: 390%
Payday Loan Debt Limits:
Maximum Number of Outstanding payday Loans at One Time: One
Rollovers Permitted: None
Cooling-off Period: 24 hours
Payday loan Repayment Plan: Yes
Payday Loan Collection Limits:
Collection Fees: All charges imposed on the lender by any financial institution; lender not entitled to treble damages
Criminal Action: Prohibited
Regulator: Florida Office of Financial Regulation
Address: Division of Securities and Finance, 200 E. Gaines Street Tallahassee FL 32399
Phone: (850) 410-9805
Fax: (850) 410-9748
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Payday Loans or “Quick Cash” loans come in real handy when you are short on cash. Today you can go to brick and mortar business for a payday loan or cash advance loan and you can even get online payday loans. The interest rates are a little healthy, but the speed and convenience of getting the cash quick to cover an unexpected expense overrides the costs.
These are the rules, laws and regulations of payday loans in Delaware.
Delaware State Information
Payday Loan Legal Status: Permitted under small loan act or licensing law – Legal
Citation:
Del. Code Ann. Tit. 5 § 2227 et seq.
Payday Loan Terms:
Maximum Payday Loan Amount: $500
Payday Loan Term: Max: 60 days
Maximum Finance Rate and Fees: Not Specified
Finance Charge for 14-day $100 loan: No Limit
APR for 14-day $100 loan: No Limit
Payday loan Debt Limits:
Maximum Number of Outstanding Loans at One Time: Not Specified – $1000 aggregate loans outstanding to all licensees
Rollovers Permitted: Four
Cooling-off Period:
Payday loan Repayment Plan:
Payday Loan Collection Limits:
Payday Loan Collection Fees:
Payday Loan Criminal Action:
Regulator: Delaware Office of the State Bank Commissioner
Address: 555 E. Loockerman Street Suite 210 Dover DE 19901
Phone: (302) 739-4235
Fax: (302) 739-3609
Regulatory Contact: , Administrator, Non-Depository Institutions and Compliance
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