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Iowa Payday Loan

State Laws Applicable to the Payday Loan Industry:
Payday loan companies in Iowa must be licensed with the state in order to issue loans to the public. Cash advance lenders and borrowers must enter into a written agreement upon signing of a payday loan. Upon entering into a cash advance agreement, a consumer must be notified of their rights in both English and Spanish and the contract must also provide the phone number for The Iowa Division of Banking, the entity that deals with consumer complaints. Furthermore, cash advance companies must display finance rates and fees in a location that is visible to all consumers. Under Iowa law, lenders cannot file a criminal suit against a consumer. Borrowers are allowed to have two payday loans at once and are also allowed to enter into a payment plan without feeling the effects of extra interest fees.

Maximum Cash Advance Loan Amount Issued:
Consumers can borrow up to $500 in cash advance funds.

Length of Payday Loan Term:
Iowa law provides a 31-day maximum loan period.

Cash Advance Loan Extensions:
Consumers cannot renew, rollover, or extend payday loans issued in Iowa.

Payday Loan Fees and Additional Charges:
A finance fee of $16.67 will be placed on a $100 payday loan with a 14-day loan period.

Cash Advance Fee Schedules and Annual Percentage Rate (APR):
An annual percentage rate (APR) equal to 433% will be for applied to $100 loan with a 2-week loan period in Iowa.

Cash Advance Directory


Company: Bgr Check Cashing
Street Address: 510 Coolidge St
City: Glenwood
State: IA
Zip: 51534
Phone: [712] 527-5952

Company: Pay Day Loans
Street Address: 520 East Jefferson Street
City: Corydon
State: IA
Zip: 50060
Phone: [641] 872-1501

Company: Xact
Street Address: 3940 East 29Th Street
City: Des Moines
State: IA
Zip: 50317
Phone: [515] 225-1636

Company: Ez Money Check Cashing
Street Address: 3112 Merle Hay Road
City: Des Moines
State: IA
Zip: 50310
Phone: [515] 251-8672

Company: Check N Go Of Iowa Inc
Street Address: 3424 Merle Hay Rd
City: Des Moines
State: IA
Zip: 50310
Phone: [515] 334-0044


Click here for more Iowa cash advance companies.

Debt Management Directory


Company: Elite Home Mortgage
Street Address: 1517 N Ankeny Blvd Ste A
City: Ankeny
State: IA
Zip: 50023
Phone: [515] 965-1707

Company: Compass Financial Services
Street Address: 203 1/2 Nile Kinnick Dr N
City: Adel
State: IA
Zip: 50003
Phone: [515] 993-1887

Company: Wells Fargo Bank N A
Street Address: 509 N Jefferson Way
City: Indianola
State: IA
Zip: 50125
Phone: [515] 961-0593

Company: First Fdral Sav Bnk Fort Dodge
Street Address: 404 Lincoln Hwy
City: Nevada
State: IA
Zip: 50201
Phone: [515] 382-5408

Company: Patriot Bank Inc
Street Address: 619 6Th Ave
City: Grinnell
State: IA
Zip: 50112
Phone: [641] 236-7700


Click here for more Iowa credit card debt management companies.
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