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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

What people think about Hometown Cash Advance?

Below you read some of the opinions of our customers.

The people that work here are super awesome.

Stuart Wisoky

Great place to do business.

Ellen Schowalter

Great staff that I enjoy talking to!

Miss Alysha Gleason

very friendly personnel they treat you with respect

Brandi Ryan

Great and friendly customer service!

Susanna Pfeffer

People there are great. They're fast, friendly and I love joking with them. Great place to do business.

April Schmidt

Important

Below you can read general information about payday loans and their common aspects.

Payday Loans in Ames, Iowa

A payday loan is a short-term, small loan ($100 - $1,000) that you repay once you receive your next paycheck, typically two to four weeks.

Payday loans in Ames, Iowa is are easy to access. The APR is specific for each applicant and depends on various aspects: age, income, loan amount needed, loan term, credit score, etc.

APR

337% *

Max Loan

$500

Min Term

Not Specified

Max Term

31 days

Why people take out cash advances?

70%

Car expenses

50%

Treatment

40%

Vacation

30%

Clothes

30%

Home improvement

Payday loans for bad credit

A poor credit rating doesn't have to prevent you from applying for payday loans. They are one of the few unsecured loan products available to clients with a bad credit score. Payday loan approvals depend very much on specific aspects. They will check your income and subtract all your expenses. Typically, your score won’t be damaged by a payday loan, as long as you repay it in full and on scheduled.

To get accepted for a loan, you have to comply with the following requirements:

  • be 18 years old or older;
  • be a U.S. citizen or permanent resident;
  • be employed and have a steady income;
  • have a valid checking account in your name;
  • have an email address and phone number.

Rate Your Credit Score

Low Rate

300

Lower than Average

579

  • No ability to get a loan
  • No ability to rent a room
Average Rate

670

High Rate

739

  • 80% of loan approval
  • Apply for all loan types
Great Score

740

Perfect Score

799

  • 95% of loan approval
  • Apply for all loans including mortgage

Rate your APR

If you are going to take out a payday loan, you can use an online calculator. It will show the exact APR of your loan.

APR Calculator

Other Payday Lenders in Ames, Iowa

Iowa Division of Banking

200 E Grand Ave #300, Des Moines, IA 50309, USA

+1 (515) 281-4014

www.idob.state.ia.us

Earlham Savings Bank

130 N Chestnut Ave, Earlham, IA 50072, USA

+1 (515) 758-2251

www.earlhambank.com

Midstates Bank

300 Front St, Neola, IA 51559, USA

+1 (712) 485-2245

www.midstatesbank.com

Blackhawk Bank & Trust ATM

977 Spruce Hills Dr, Bettendorf, IA 52722, USA

+1 (309) 787-4451

www.choosethechief.com

MidWestOne Bank

700 Main St, Pella, IA 50219, USA

+1 (641) 628-4356

www.midwestone.bank

GreenState Credit Union

585 W Penn St, North Liberty, IA 52317, USA

+1 (800) 397-3790

www.greenstate.org

Edward Jones - Financial Advisor

807 W Platt St, Maquoketa, IA 52060, USA

www.edwardjones.com

Security National Bank

251 Reed St, Akron, IA 51001, USA

+1 (712) 568-2472

www.snbonline.com

Fidelity Bank & Trust

4250 Asbury Rd, Dubuque, IA 52002, USA

www.bankfidelity.com

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