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Current Payday Lenders in Iowa – Terms, Rates, Legislation

When you have emergency expenses and are short of cash, a payday loan could help you out. Payday loans are short-term, small-dollar loans that give you speedy access to money when you need it. Read on to learn about the payday loan laws in Iowa.

The list of payday loan lenders in Iowa

Capital Bean

Capital Bean offers a loan connection service for residents of the United States. The lender offers a quick way for Americans to borrow money online.

  • Tel: 1-865-884-6510
  • Email:
  • Address: 7073 Cedarwood Dr. Los AngelesA 90006, United States
  • Website:


Open Cash Advance offers a quick and secure loan application to match you with reputable lenders and lending partners. Direct lenders may deposit the funds directly into your checking account within 24 hours.

  • Tel: 1 (844) 675-7424
  • Address: 30 N GOULD ST, STE R, Sheridan, WY 82801
  • Website:

Check Into Cash

Check Into Cash is a popular national leader that offers affordable short-term, small dollar credit solutions. The company provides cash advances, online payday advances,and more.

  • Tel: (423) 479-2400
  • Email:
  • Address: 201 Keith Street Southwest Suite 80 Cleveland, TN 37311 USA
  • Website:

Dime Alley

Dime Alley can offer payday loans within 1 hour, the same day or next working day. You can complete a fully online application form and get an instant decision.

  • Tel: 1-855-884-6510
  • Email:
  • Address: 7072 Cedarwood Dr. Los Angeles, CA 90006, United States
  • Website:

Advance America

Advance America is here to help you with easy and quick online payday loans, cash loans and more. You can apply online now or visit any of the lender’s 1200+ locations.

  • Tel: (844) 562 – 6480
  • Email:
  • Address: 518 N Montebello Blvd. Montebello, CA 90640
  • Website:


Pheabs allows you to find the best lender in the US online. The company partners with only a handful of trusted payday lenders and short term loan companies across the United States.

  • Tel: 1-855-884-6510
  • Email:
  • Address: 515 E Las Olas Boulevard Suite 120 Fort Lauderdale FL 33301
  • Website:

Dollar Hand

Dollar Hand is a loan connection service that connects your loan with over 50 reliable lenders who can offer you an affordable loan fast. They work with people having good or bad credit. With Dollar Hand, you can pay for your emergency or important purchase.

  • Tel: (323) 638-2296
  • Email:
  • Address: 5723 Morgan Ave, Los Angeles, California(CA), 90011
  • Website:


AdvanceSOS is a loan connection service that are here to help you get quick cash advances for emergencies. The company helps in connecting reputable lenders and trustworthy borrowers.

  • Tel: +1 (918) 544-52-99
  • Email:
  • Address: 812 E Central Ave, Miami, OK 74354
  • Website:

Check `n Go

Check ‘n Go operates a chain of payday loan stores across the United States. The company provides customers with quick and easy payday loans that are unsecured short-term cash advances.

  • Tel: (800) 561-2274
  • Email:
  • Address: 7755 Montgomery Road Suite 400 Cincinnati, OH 45236
  • Website:


Credit Ninja offers short-term payday loans with loan fees ranging from $62.5 to $125. It offers personal loans with a quick application process, and the funds may hit your account within one to two business days.

  • Tel: +1 855 646 5201
  • Email:
  • Address: 27 North Wacker Drive, Suite 404 Chicago, Illinois 60606 United States
  • Website:

1F Cash Advance

1F Cash Advance is a loan connection platform that helps you find a licensed lender who provides customers with speedy and convenient payday loans online.

  • Tel: (888) 847-2909
  • Email:
  • Address: 1942 Broadway St., STE 314C Boulder, CO 80302
  • Website:


Payday Champion is an online lender that has been offering installment and payday loans since 2011. Their loans help customers with bad credit scores who face credit difficulties. They are typically used to pay off an emergency.

  • Tel: +1 800-456-3496
  • Email:
  • Address: 412 Main St. #420. Houston, TX 77002
  • Website:


Maybeloan is popular online service that aims to provide a wide amount of financial offers. You can apply for payday loans, installment loans, salary advance loans, personal loans and home loans.

  • Email:
  • Address: 901 Travis St, Houston, TX, USA
  • Website:


Green Day Online has a 15- year experience in providing multiple loan types to borrowers. With quick and easy payday loans, you can access cash online.

  • Tel: (800) 424-2789
  • Email:
  • Address: 5050 Quorum Drive Dallas, Texas 75254 18851 NE 29th Avenue Aventura, FL 33180
  • Website:

Are payday loans legal in Iowa?

Yes, payday loans are legal in the state of Iowa. Iowa Code Ann. 533D.1 et seq. They are regulated by The Delayed Deposit Services Licensing Act. All payday lenders in Iowa must have a license and be physically located in this state in order to fund loans.

Payday lending terms in Iowa are quite lenient and easy to understand. The industry has been governed by the same laws for many years and there are no changes to be expected in the nearest future.

Iowa payday lending statutes

Payday lending in Iowa is controlled by the state law – Delayed Deposit Services Licensing Act or Iowa Code Ann. § 533D.1 et seq.

All lenders offering payday loans in Iowa must comply with the current regulations.

Besides, a lender must provide a borrower with a detailed agreement written both in English and Spanish with all the details about payday loans, rates and fees, the due date, repayment options, potential penalties, etc. The document should be written in layman’s terms and must include the contact information of a loan provider (a toll-free phone number). Only if a lender complies with all the above-described terms, it is considered legal. A person who takes out a loan must also provide the contact details to a lender.

Rules and regulations on Iowa payday loans

Are Payday Loans Legal? Yes
Maximum Loan Amount $500
Minimum Loan Term Not specified
Maximum Loan Term 31 days
Price Cap 433%
Rollovers Not allowed
Statute of Limitations 10 years from the last payment
Finance Charges $15 on the first $100 + >$10 on subsequent $100

Payday loan amount in Iowa

  • According to the laws of the state, a person cannot get more than a $500 payday loan.
  • A borrower is allowed to have no more than 2 outstanding loans at a time.

The maximum term for a payday loan in Iowa

  • The maximum payday loan term in Iowa is 31 days.
  • Rollovers or extensions are not allowed by the state, and a borrower is obliged to repay a loan in a lump sum in time.

Rates, fees and other charges in Iowa

  • According to the laws of the state, a lender cannot charge over $15 for a loan of $0-$100 in terms of finance charges and fees.
  • It is allowed to charge $10 on every $100 you borrow thereafter.
  • The finance charge is $16.67 for every $100 you borrow for 14 days.

Real APR for payday loans in the state can reach 337% for a loan of $300.

Am I eligible for a payday loan in Iowa?

To be eligible for a payday loan, there are a few basic criteria you need to meet:

  1. You must be a US resident or permanent resident;
  2. Be over the age of 18;
  3. You should have a stable income of at least $800 per month;
  4. You should have a valid phone number and email;
  5. you should have an active, personal checking account (for the funds to be deposited into).

Can I apply online or in-store?

Each lender in Iowa has its own terms and policies. Most payday loan providers currently work online, while some also have physical locations. However, most payday loan providers operate solely online.

The key benefit of an online loan is that is it processed remotely, which is very convenient. You won’t have to go anywhere to pick up your money. The approved funds will be transferred into your bank account within 24 hours or even faster.

Where can I get a payday loan in Iowa, IA?

  • Altoona
  • Ames
  • Ankeny
  • Atlantic
  • Bettendorf
  • Bondurant
  • Boone
  • Burlington
  • Carroll
  • Cedar Falls
  • Cedar Rapids
  • Charles City
  • Clear Lake
  • Clinton
  • Clive
  • Coralville
  • Council Bluffs
  • Creston
  • Davenport
  • Decorah
  • Denison
  • Des Moines
  • Dubuque
  • Fairfield
  • Fort Dodge
  • Fort Madison
  • Grimes
  • Grinnell
  • Hiawatha
  • Indianola
  • Iowa City
  • Johnston
  • Keokuk
  • Knoxville
  • Le Mars
  • Marion
  • Marshalltown
  • Mason City
  • Mount Pleasant
  • Muscatine
  • Nevada
  • Newton
  • North Liberty
  • Norwalk
  • Oskaloosa
  • Ottumwa
  • Pella
  • Perry
  • Pleasant Hill
  • Sioux Center
  • Sioux City
  • Spencer
  • Storm Lake
  • Urbandale
  • Washington
  • Waterloo
  • Waukee
  • Waverly
  • Webster City
  • West Des Moines

Consumer information

Currently, payday lenders in Iowa are not required to check a borrower’s ability to pay back a loan.

Before you take on debt obligations, evaluate your current financial situation. Otherwise, you can find yourself in a debt hole.

  • A payday lender cannot charge over $15 as a NSF fee as well as for a returned check.
  • Criminal actions against borrowers are not allowed in the state.


Iowa Division of Banking