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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: It's Payday
Street Address: 109 North 13Th Street
City: Centerville
State: IA
Zip: 52544
Phone: [641] 856-2274

Company: Globe Cash Advance
Street Address: 1305 4Th Street Southwest
City: Mason City
State: IA
Zip: 50401
Phone: [641] 422-0300

Company: Check Into Cash Of Iowa Inc
Street Address: 1631 4Th St Sw Ste 114A
City: Mason City
State: IA
Zip: 50401
Phone: [641] 423-1893

Company: Hometown Cash Advance
Street Address: 1734 Washington Street Suite 1
City: Davenport
State: IA
Zip: 52804
Phone: [563] 323-2274

Company: National Cash Of Ia Inc
Street Address: 1608 South Duff Avenue Suite 2000
City: Ames
State: IA
Zip: 50010
Phone: [515] 232-7926


Click here for more Iowa cash advance companies.

Debt Management Directory


Company: First Whitney Bank And Trust
Street Address: 223 Chestnut St
City: Atlantic
State: IA
Zip: 50022
Phone: [712] 243-3195

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

Company: Us Bank National Association
Street Address: 917 Braden Ave
City: Chariton
State: IA
Zip: 50049
Phone: [641] 774-2176

Company: John Deere Credit Company
Street Address: 6400 Nw 86Th St
City: Johnston
State: IA
Zip: 50131
Phone: [515] 267-3000

Company: L P L Financial
Street Address: 611 Story St
City: Boone
State: IA
Zip: 50036
Phone: [515] 432-7000


Click here for more Iowa credit card debt management companies.
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