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Payday Loans in Iowa — Laws, Limits & Online Lenders

Compare licensed payday lenders in Iowa. One application, multiple offers, no credit impact.

1 Apply in Minutes
2 Compare Offers
3 Get Funded

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Iowa Payday Loan Laws at a Glance

Max Loan Amount $500
Max APR 433%
Max Term 31 days
Rollovers Prohibited
Cooling-Off Period None
Governing Statute Iowa Code § 533D

How to Get a Payday Loan in Iowa

Getting a payday loan in Iowa is straightforward. Fill out the form above with your basic information — name, address, income, and bank account details. Our network of Iowa-licensed lenders reviews your application and presents offers based on your profile.

You compare terms, choose the offer that works best for you, and funds are deposited directly into your bank account — often the same day or next business day.

Requirements for Iowa Borrowers

  • Must be 18 years or older (resident of Iowa)
  • Active checking account
  • Regular source of income
  • Valid government-issued ID
  • Not active-duty military

Check Your Rate in Iowa — No Credit Impact

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What to Know Before Borrowing in Iowa

Under Iowa Code § 533D, payday lenders in Iowa may charge up to the state maximum on qualifying loans. Make sure you understand the total repayment amount before accepting any offer. If you cannot repay on time, contact your lender immediately — Iowa may require lenders to offer an extended payment plan.

For more information on payday loan regulations across all states, see our Iowa and other state payday loan laws.

Payday Loans by City in Iowa

Select your city for local payday loan information, lender options, and Iowa regulations that apply to your area.

Des Moines Cedar Rapids Davenport Sioux City Iowa City Waterloo Council Bluffs Ames Dubuque West Des Moines

Iowa Payday Loan FAQ

Are payday loans legal in Iowa?

Yes. Payday loans are legal in Iowa under Iowa Code § 533D. Lenders must be licensed by the state banking regulator.

How much can I borrow in Iowa?

The maximum payday loan amount in Iowa is $500. Your actual loan amount depends on your income and the lender's assessment.

What is the maximum APR in Iowa?

The maximum APR for payday loans in Iowa is approximately 433%. Actual rates vary by lender within this limit.

Can I roll over a payday loan in Iowa?

Prohibited

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