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Payday Loans in Iowa

Have you ever found yourself in a financial shortfall that seemed impossible to solve? It happens to everyone and sometimes, with all your savings, you still do not manage to cover the unforeseen expenses of a surgery or a car reparation. This kind of situations can now be avoided thanks to payday loans- the best alternative when you cannot manage the problem until your next payday. If you are in need of money and you live in Iowa, here is everything you need to know about payday loans and how to access them.

What are payday loans?

Payday loans aim at offering small amounts of money to those who are in need of them urgently. They are short-term loans designed to help you solve your problems easily and repay the sum of money borrowed in 30 days, on your next payday. Not only does this program offer everyone the chance to cope well with any unpleasant situation which caught them unprepared, but also manages to give you the opportunity to get rid of the commitment easily. The advantages will surprise you:

  • They are a quick alternative when you find yourself in a situation that you do not know how to handle;
  • They are easy to obtain even if you have a low income;
  • They are fast and convenient, especially because they can be applied for online.

Therefore, if you are strapped for cash, applying for a payday loan might be a life-saving solution for you and your loved ones.

Payday Loans in Iowa

As in many other parts of the United States of America, payday loans in Iowa are legal and can be applied for very easily. You can access this type of short-term loan online if you are a resident of Iowa. Depending on your needs and monthly income, you can borrow up to $1000, on the condition that you return the sum in 30 days or more, as the terms and conditions established with your lender features.

Some regulations regarding the payday loans in Iowa include the fact that that the maximum loan is $500 and the loan term is up to 31 days. What is more, the fees and the APR may vary according to the sum of money you borrow and the length of your loan.

How to Apply for a Payday Loan in Iowa?

The procedure of applying for a payday loan in Iowa is simple and efficient. All you have to do is provide the proper documentation and meet our eligibility criteria:

  • You must be of age (18 or more)
  • You must be a permanent resident of the United States of America
  • You must have a steady income and a steady job

If applying for a payday loan in Iowa seem a good idea for you and your needs, the decision should be considered very well and made with great responsibility, as late repayments can add more fees to your loan and this kind of situations might affect your budget even more than you had expected.


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Short-term loans are emergency credit products of relatively small amounts designed for short-term financial issues only and can become an expensive product if used for long-term purposes.


The owner and operator of is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designedonly for amatching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. All the data concerning short-term loan products and the industry is presentedon the website for information purposes only. does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products. Short-term loans are not available in all the states. Not all the lenders in the network can provide the loans up to $1,000. cannot guarantee that the user of the website will be approved by any lender or for any loan product, will be matched with a lender, or if matched, will receive a short-term loan offer on the terms requested in the online form. The lenders may need to perform credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scopes of credit products to offer. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the applicant, as well as the terms determined by each lender individually.


APR Representative
APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since is not a lender and has no information regarding the terms and other details of short-term loan products offered by lenders individually, cannot provide the exact APR charged for any loan product offered by the lenders. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant.

Additional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. These financial and non-financial actions have nothing to do with and has no information regaining whatsoever actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a short-term product.


Late Payment Implications
It is highly recommended to contact the lender if late payment is expected or considered possible. In this case, late payment fees and charges may be implied. Federal and state regulations are determined for the cases of late payment and may vary from case to case. All the details concerning the procedures and costs associated with late payment are disclosed in loan agreement and should be reviewed prior to signing any related document.

Non-payment Implications
Financial and non-financial penalties may be implied in cases of non-payment or missed payment. Fees and other financial charges for late payment are to be disclosed in loan agreement. Additional actions related to non-payment, such as renewals, may be implied upon given consent. The terms of renewal are to be disclosed in each loan agreement individually. Additional charges and fees associated with renewal may be applied.

Debt collection practices and other related procedures may be performed. All the actions related to these practices are adjusted to Fair Debt Collection Practices Act regulations and other applicable federal and state laws in order to protect consumers from unfair lending and negative borrowing experience. The majority of lenders do not refer to outside collection agencies and attempt to collect the debt via in-house means.

Non-payment and late payment may have negative impact on the borrowers’ credit standing and downgrade their credit scores, as the lenders may report delinquency to credit bureaus, including but not limited to Equifax, Transunion, and Experian. In this case the results of non-payment and late payment may be recorded and remain in credit reports for the determined amount of time.