Quick answer
Iowa is served by the Iowa Division of Banking (IDOB). Most loan types are available, each with its own limits and licensing requirements. Call (800) 236-7761 or use the form to see which lenders are active in Iowa today.
Iowa loan rules at a glance
- Payday max amount
- $500 maximum aggregate face amount of checks; no more than two checks outstanding from one borrower at any one time
- Payday term
- A post-dated check may be held no more than 31 days
- Payday cost cap
- Fees are capped by statute in tiers under Iowa Code 533D.9; the exact tier figures were not quoted in this review and sh
- Payday licensing
- Delayed Deposit Services Business license from the Iowa Division of Banking under Iowa Code 533D
- Title loan term
- Minimum 30 days
- Title loan rate
- A loan secured by a certificate of title to a motor vehicle used for personal, family or household purposes may not carr
- Governing statutes
- Chapter 187, Chapter 533D, Iowa Code 2026, Iowa Code 533D.9
Regulator: Iowa Division of Banking (IDOB) · Phone: 515-281-4014 · Statutes: Chapter 187, Chapter 533D, Iowa Code 2026, Iowa Code 533D.9 · Last verified: 2026-10-08
Loan products in Iowa
The table below summarises each product's legal status and key limits under Iowa law. Click a product to see the detailed guide.
| Loan type | Status | Key limits |
|---|---|---|
| Payday loans | Legal | $500 maximum aggregate face amount of checks; no more than two checks outstanding from one borrower |
| Cash advance | Legal | |
| Title loans | Restricted | A loan secured by a certificate of title to a motor vehicle used for personal, family or household p |
| Installment loans | Legal | |
| Bad credit loans | Legal | |
| Debt consolidation | Unclear | Check with the state regulator |
| Refinance | Unclear | Check with the state regulator |
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Cities in Iowa
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