Hometown Cash Advance Payday Loans Review - Ames, Iowa

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4.2 15 reviews

Loan agency in Ames, Iowa

Organization owner?

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

Feedback about Hometown Cash Advance?

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:

Your loan:

Loan Amount, Loan Purpose, Email Address

About You:

First Name, Last Name, Date Of Birth, Primary Phone Number, Driver's License Number, Your SSN

Your Address:

Zip Code, Street Address

Your Income:

How often do you get paid?, Next Paydate, Type of Account, How do you get paid?

Your Employment:

Your Income Source, Are you in the military?, Your Employer Name, Your Monthly Net Income, Your Employer Phone Number

Your Credit:

If you have $10,000+ in unsecured debt and would like one of our partners to contact you?, What`s your approximate credit rating?

Finally:

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

Healthcare Bills

Traveling

Car Repair

Clothes

Get Started

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

Loan Amount $: *

Loan Term (Days): *

APR value %: *

Origination Fee $: *

$1000 Your loan

+ $38 Your fee

= $1,038 Total Cost*

* Total Cost - The sum of money you are to pay off within the term you’ve chosen if you borrow the stated above amount for the average (or required by your lender) APR.

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

Let's see