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  If you have questions regarding a loan inquiry, approval, funded loan, payments or any other question about a particular loan, please contact your lender or lending partner directly. If you received a loan, you should already have the lender’s or lending partner’s contact information.

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  We recognize a personal loan is a private matter. Reasons for needing money range from critical automobile maintenance, unexpected medical expenses, much needed family vacation, basic home improvements, etc.

  But with an online loan, you might not need a perfect credit score or collateral to be approved. Payday loans can have annual percentage rates (APRs) of up to 400% or higher, while the payday loans near me in homestead iowa ia APR on a credit card cash advance is typically around 25% or higher.

  This means that there may be fewer protections in place to ensure that consumers are treated fairly. This is especially convenient for those who have busy schedules or live in rural areas where access to traditional lending institutions may be limited. Some traditional loans have strict rules about credit scores or needing collateral (like a car or house).

  This can be especially useful for those who may not have the homestead funds to repay a payday loan in a single lump sum. If possible, it may be a better choice to seek alternative sources of funding, such as a personal loan or a cash advance from a bank. Credit card cash advances do not have a fixed repayment schedule, which means that the iowa borrower can pay off the loan at their own pace.