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Online Payday Loans Up To $1,000
Cash Loans in Iowa, USA
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Once proposal will be approved, you’ll be redirected to the lender's page to coordinate the loan terms and rates with the lender.
A payday loan is a type of short-term loan that is typically used to cover unexpected expenses or bills that come due before your next paycheck. These loans usually have high interest rates and fees, and are typically due within two weeks or when you receive your next paycheck.
Payday Loan Requirements in Iowa
Payday loan requirements can vary depending on the lender, but there are some general requirements that are typically needed:
Must be at least 18 years old
Must have a valid ID
Must have proof of income or employment
Must have an active checking account
Payday Loan Regulations in Iowa
Payday loans are legal in Iowa, but there are regulations that lenders must follow:
The maximum loan amount is $500
The maximum finance charge is $15 for every $100 borrowed
The maximum APR is 390%
Borrowers can only have one outstanding loan at a time
Lenders must provide a written agreement that includes all fees, charges, and repayment terms
Top Payday Loan Lenders in Iowa
Here are some of the top payday loan lenders in Iowa:
Lender
Loan Amount
Loan Term
APR
Check 'n Go
$50 - $500
Up to 31 days
368.33% - 404.79%
ACE Cash Express
$100 - $500
Up to 31 days
435.19%
Advance America
$50 - $445
Up to 31 days
373.47% - 661.80%
It is important to compare the interest rates and fees of different lenders to find the best option for you.
Official Regulations on Payday Loans in Iowa
Like many states in the US, Iowa has established regulations regarding payday loans. These regulations aim to protect borrowers from predatory lending practices, and ensure that payday lenders operate within legal boundaries. Here are the main regulations regarding payday loans in Iowa:
Loan Amount and Duration
The maximum amount you can borrow through a payday loan in Iowa is $500.
The maximum loan term is 31 days.
You can have a maximum of two outstanding payday loans at any given time.
Interest and Fees
Payday lenders in Iowa can charge up to 15% interest on the first $100 borrowed, and 10% on amounts between $101 and $500.
Lenders can also charge a $15 finance charge for each $100 borrowed, up to a maximum of $45.
They can also charge a $30 NSF (Non-Sufficient Funds) fee if a borrower fails to repay the loan.
Rollovers are not allowed in Iowa. This means that lenders cannot extend a loan beyond its original due date.
How to Get a Payday Loan in Iowa
If you are considering taking out a payday loan in Iowa, here are the steps you need to follow:
Step 1: Find a Lender
Before you apply for a payday loan, you need to find a lender that operates in Iowa. You can start by doing an online search or asking for recommendations from friends or family members. Make sure to check the lender's reputation and reviews before applying for a loan.
Step 2: Meet the Eligibility Criteria
Once you have found a lender, you need to ensure that you meet their eligibility criteria. Typically, lenders require borrowers to:
Be at least 18 years old
Have a regular source of income
Be a US citizen or permanent resident
Have a valid bank account
Step 3: Apply for the Loan
Once you have confirmed that you meet the lender's eligibility criteria, you can apply for the loan. You will need to provide your personal information, such as your name, address, and contact details, as well as your employment information and income details. The lender will also ask you to provide a post-dated check or authorize an electronic debit from your bank account to repay the loan.
Step 4: Receive the Funds
If your application is approved, the lender will deposit the funds into your bank account. This process usually takes one business day.
Step 5: Repay the Loan
You will need to repay the loan, along with interest and fees, on the due date. If you fail to repay the loan on time, the lender can charge you additional fees and take legal action to recover the debt.
Comparison of Payday Loans in Iowa
Before you take out a payday loan in Iowa, it is important to compare the rates and terms offered by different lenders. Here is a comparison table of some of the most popular payday lenders in Iowa.
Check Into Cash: 3200 Agency St, Burlington, IA 52601 | Phone: (319) 758-6355
Advance America: 2633 Hubbell Ave, Des Moines, IA 50317 | Phone: (515) 262-4233
Check 'n Go: 1823 Logan Ave, Waterloo, IA 50703 | Phone: (319) 233-3600
Cash Advance: 3719 Douglas Ave, Des Moines, IA 50310 | Phone: (515) 274-2771
Mister Money USA: 303 Lincoln Way, Ames, IA 50010 | Phone: (515) 232-7105
Money & More!: 1202 E Washington St, Mount Pleasant, IA 52641 | Phone: (319) 385-9700
