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Cash Loans in Iowa, USA


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What is a Payday Loan?

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
  • Quik Cash: 1528 6th Ave SE, Aberdeen, SD 57401 | Phone: (605) 225-8666
  • Speedy Cash: 4025 SW 9th St, Des Moines, IA 50315 | Phone: (515) 243-8666
  • Check City: 4013 Fleur Dr, Des Moines, IA 50321 | Phone: (515) 287-9980
  • Payday Express: 512 S Lincoln Way, North Liberty, IA 52317 | Phone: (319) 626-6000



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