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Get a Payday Loan in Iowa, IA

From Mason City, IA to Des Moines, IA and anywhere in between, you can find a Payday Loan, Installment Loan, or Cash Advance with Dime Alley ASAP. You can request any amount from $100 to $35,000 and the money could be in your account in the next business day!

Payday Loans iowa

Dime Alley’s 3-Step Process for Iowa, IA Payday Loans:

Step 1: Apply Online Today
Use our quick application form
Step 2: Wait To Hear Back
The same day or within 24 hours.
Step 3: Funds Within 24-Hours
Receive funds into your account in 1 hour!

Rules and Regulations on Iowa IA Payday Loans

Are Payday Loans Legal? Yes
Maximum Loan Amount $500
Minimum Loan Term Not specified
Maximum Loan Term 31 days
Price Cap 433%
No. of Rollovers Allowed 0
Statute of Limitations
10 years from the last payment
Finance Charges
$15 on the first $100 + >$10 on subsequent $100

What is the Maximum Amount I Can Borrow in Iowa with Dime Alley?

You can select any amount between $100 and $35,000. It’s best to make sure that you don’t borrow too much or too little for your needs. If you are facing an unexpected expense, it is essential that you cover the cost sufficiently.

But, if you choose to borrow more than is necessary, you may find yourself unable to meet the repayments. When considering your request, lenders in Iowa only perform a soft credit check so inquiring will have no effect on your credit rating.

Am I Eligible for a Payday Loan in Iowa?

In order to qualify for a payday loan in Iowa, there are a few simple criteria that  to meet to have a chance at being approved!

  • You must be a US resident, over the age of 18.
  • You should have a stable, regular income, earning a minimum of $800 per month.
  • You should have a valid mobile phone account and a live checking account (for your loan to be deposited into).

Can I Get a Title Loan in Iowa?

Yes, you can get a Car Title Loan in Iowa!

Auto loans in Iowa work similarly to title loans in other states although Iowa has state laws which protect you, the borrower.

Generally, title loans work by providing a loan amount of 25% to 50% of the vehicle’s value and using your vehicle as collateral. Because they are secured loans, the lender can repossess the car if you fail to meet the terms of the loan.

Why Choose Dime Alley for Payday Loans in Iowa?

Use Dime Alley for a fast and straightforward way for you to get a Payday Loan from your home in Iowa. Using our loans connection service, we can help find a lender that suits your needs, and, if accepted, you could receive your funds within 24 hours!

Payday Loans can be a great option to tide you over until your next payday in your time of financial stress. We all have financial difficulties from time-to-time, but rest assured, Dime Alley will help every step of the way.

No Fees!
As your broker, Dime Alley does not take any fees. Instead, we take a commission off our lenders.
Responsible Lenders
We only work with legitimate and reputable lenders, so we know that they are lending responsibly.
Apply Today!
With peace of mind over affordability and safety, feel free to apply using our quick and easy application form today!

How Quickly Can I Get a Payday Loan in Iowa?

You can get a Payday Loan in Iowa IA ASAP. Most people searching for a payday loan are in an urgent financial situation. Whatever circumstances you are facing, home repairs, increased monthly bills or a late paycheck, completing the short online form is the first step in the right direction.

To get your payday loan in Iowa as quickly as possible, have your bank details ready to go.

Our online loan request process is designed to be quick and takes just a few minutes to complete. We work with lenders from all across Iowa to find you funding. You’ll see instant decisions from lenders around Iowa on your loan request.

Once accepted, the loan will be paid into your bank account the very same day in one lump sum. Wherever you live in Iowa, you can get a fast and efficient payday loan. Your loan could arrive in your account in as little as one hour!

Can I Get a Payday Loan in Iowa with Bad Credit and No Credit Check?

Yes! Even if you have poor credit, you can get a payday loan or installment loan in Iowa, IA, with Dime Alley.

Our lenders accept applications from customers with all different credit histories and scores, so don’t let your credit stop you from applying!

It is worth noting, however, that our lenders will take your credit into account when deciding on rates and terms to offer you.

In addition, we do consider candidates who request a No Credit Check Loan, however, our lenders will most likely want to run a credit search on you to determine the terms of your loan.

However, when you apply with Dime Alley, we will only run a soft credit search which has no impact on your credit score and won’t show up on your credit report either!

More Frequently Asked Questions

Can I get a Payday Loan with Bad Credit in Iowa?

If you have a bad credit score you can still get a payday loan in Iowa!

With Dime Alley, all credit histories are accepted. This means that you should still request a payday loan with us even if you have already been turned down by a bank because of bad credit.

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How Much Can I Borrow in Iowa?

With Dime Alley, you could find payday loans ranging from $100 to $35,000 – with the amount you can borrow based on factors like your monthly income, credit status and affordability.

According to state regulations, the maximum amount you can borrow with a payday loan in Iowa is $500. The loan must be repaid within 31 days.

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Is There a Cap on Payday Loans in Iowa?

The state of Iowa will not allow you to have more than 2 outstanding loans at a time.

There is also a price cap, which is essentially a limit on how much interest lenders are allowed to charge borrowers for taking out a payday loan. In Iowa, this is set at 433%.

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In Which Cities Can I Get a Payday Loan in Iowa?

Cedar Falls
Cedar Rapids
Charles City
Clear Lake
Council Bluffs

Des Moines
Fort Dodge
Fort Madison
Iowa City
Le Mars
Mason City
Mount Pleasant

North Liberty
Pleasant Hill
Sioux Center
Sioux City
Storm Lake
Webster City
West Des Moines

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Am I Charged a Fee for using Dime Alley?

No! We will never charge fees for using our service.

Instead, we take a fee or commission from the lender if your application is approved and successful. The lenders will charge a daily or monthly interest if your loan is active and this will be presented to you in writing before you proceed.

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Can I Get a Payday Loan with No Credit Check?

Dime Alley will consider those looking for no credit check loans, but note that a credit check is usually carried out for all customers.

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Is Dime Alley a Broker or Lender?

Dime Alley is a broker, meaning that if you’re approved, we don’t provide the funds for your loan directly. Instead, we connect you to a lender best suited to your situation from our trusted panel.

Do not worry though, your information is completely secure and will not be sent or shared with any other companies or third parties and we certainly will not charge you anything for using our service.

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