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Iowa Payday Loans and Lenders

There’s good news for all Iowa residents; if you’re strapped for cash, we can help you. At Payday Today, we offer short-term loans called Payday Loans. Our loan program can be just what you need to pay for emergency car repairs or other unexpected expenses that otherwise would have to wait until your next payday, and thereby cause you significant inconvenience. We offer a quick and painless service: take two minutes to fill out your application, and by tomorrow morning, the funds will be sitting in your bank account. It’s that easy.

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Alternatives for Iowa Payday Lending

If you need a long-term solution to your financial situation, you may want to consider one of our popular alternative loan programs. Consider our credit cards, personal loans, debt consolidation, and credit counseling. If you have bad credit, you can also consider applying for a bad credit-credit card.

Iowa Lending Laws

Payday Lending is legal in Iowa. The following is some vital information that you should know if you are applying for a payday loan in the state of Iowa:

  • The maximum loan term you may borrow for is thirty-one days.
  • There is no minimum amount you have to borrow, but the maximum is $500.
  • The effective 14 day APR is 435%.
  • The maximum interest per $100 someone can borrow is $16.67.

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Number of Iowa Payday Lenders

In 1998, Iowa had sixty-four payday lenders in the state. Two years previously, they had eight payday lenders operating in the state. With the current growth rate in the industry, it is indubitable that there are hundreds of payday lending centers in the state today.

Iowa Unemployment Statistics

According to the United States Department of Labor:
The unemployment rate for Iowa as of January 2006 was 5.0. This was a 0.6 decrease from January 2005. Over the past ten years, the unemployment rate has wavered from 1.9 to 5.6.

In January 2006 there were 82925 unemployed people in Iowa.

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* Payday Today is not a payday lender or broker. We provide research and information about payday lenders and products, and are not necessarily affiliated with the companies featured on this site. Availability of products and services varies by state. Not all independent lenders will approve you for a loan or can provide you with up to $1,000 on your first loan.

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