Apply for Payday Loans in Iowa Today - Check Your Eligibility Below!

From Des Moines to Iwoa City we can help you get access to fast cash to overcome emergency financial setbacks. Apply now and you can receive the funds in less than 24 hours

Representative Example:
On an assumed loan amount of $750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount $1351.20 and total interest is $601.20. 12 monthly payment of $112.60.*

3 Simple Steps To Apply Today


Apply Online

Apply from your laptop, tablet or phone in less than 5 minutes.

Immediate Decision

You'll get an instant on-screen decision about whether you have been approved or not.

Get Fast Cash

Get the money in your bank account the same or next business day.

Can Capital Bean Help You Find Payday Loans Iowa Today?

If you are in Iowa and need cash between paychecks, Capital Bean can help you gain quick access to funds. Be it an emergency medical expense, burst pipe or car breakdown, there are many reasons why you might need quick access to funds. Our online services are quick and easy to use and can help you find a payday loan anywhere in Iowa. Apply today and get a decision in a matter of minutes!

Is An Iowa Payday Loan The Right Product For Me?

Many of our borrowers work with Capital Bean to help them get through short-term financial problems such as an unexpected medical expense, burst pipe or broken down car. Once you’ve been approved by our panel the funds could be in your bank account in less than 60 minutes.

Capital Bean helps people in Iowa find a payday loan with the best options

  • Instant decisions
  • Flexible repayment options
  • Options for borrowers with poor credit
  • Online loan request form

Payday loans are not necessarily the right solution for you. If you are looking for extra cash to spend on shopping or going out, payday loans are not the best option. For anyone suffering long-term financial problems, there are more suitable options available. Payday loans should only ever be used for short-term, emergency expenses.

Always read the lender’s terms and conditions carefully to make sure you can afford this loan over the time period requested. If you are unable to meet a repayment on the due date for any reason, this will increase the amount of interest you need to pay and could negatively impact your credit score.

What Are The Steps To Apply For A Payday Loan In Iowa?

Capital Bean can help you easily apply for a payday loan using our 100% online form. If you follow the one, two, three steps below you’ll be on your way to fast cash.

Step 1
Apply Online For A Pay Day Loan

Use our 100% free online form to apply in less than 5 minutes on your phone or laptop.

Step 2
Instant Decision

You will receive an instant decision on your laptop, tablet or ipad from one of our lending partners who will offer the best rates for your circumstances.

Step 3
Receive Money

Within 1 hour, the same day or the next business day you will get your funds in your nominated bank account that you provided in your application.

Can I Get A Payday Loan In Iowa?

To save time and disappointment, you should always check whether you’re eligible for a loan before using the online request form. To be eligible for a payday loan in Iowa, there are four key eligibility requirements. Applicants must be residents of the US and at least 18 years old. Borrowers will need to demonstrate a monthly income of at least $800. Finally, you will need to have an active checking account where your payday loan can be paid into.

Are Payday Loans Legal In Iowa?

Payday loans are legal in Iowa. In accordance with state law, there is a limit on the amount of a classic payday loan with a maximum amount of $500. For Iowa payday loans, the maximum loan term is 31 days. Finance charges will vary between lenders but can not exceed $15 for a loan up to $100 and cannot be more than $10 on subsequent $100. There is also a maximum interest rate of 337% APR. Like many other states, rollovers are not legally permitted.

Am I Eligible For A Payday Loan In Iowa?

Before you apply for a payday loan you need to make sure that you are eligible. If you tick all the requirements below then you will be much more likely to be approved. To be eligible you must:

  • Be 18 years or older
  • Be A US resident
  • Have an active checking account
  • Have an active cell phone account
  • Make over $800 per month
  • Be in regular employment

Can I Get An Iowa Payday Loan If I Have Bad Credit?

Even borrowers with very bad credit may still be eligible for a loan. In Iowa, you can still find a payday loan even if you’ve been turned down by an app or credit union or bank in the past for your bad credit. You might have made a mistake in the past that has impacted your credit score, but we at Capital Bean believe you should always have the opportunity to rebuild your financial strength. Working with borrowers from all backgrounds, Capital Bean can help you get started today to find the right payday loan for you.

How Can I Find A Payday Loan In Iowa?

Our application process for Iowa payday loans is 100% online. This means that with Capital Bean you can get up to $35,000 today from your phone or tablet in the comfort of your own house. Our application process can be completed in under 5 minutes and the decision is made instantly by our lenders.

We aim to make the payday loan process as quick and easy as possible meaning that you could have the money in your account in under an hour!

At Capital Bean, we understand that sometimes time is of the essence. When you’re hit with unexpected expenses, your main priority is getting quick and safe access to money. That is why with our fast, online application, we can get you approved within minutes and get funds to you in under an hour!

If you are experiencing long-term financial problems or looking to take out money over a long period of time, payday loans may not be for you. Always read the lender’s terms and conditions before making an application and make sure that you are taking out the loan for the right reason.

Payday Loan Rules And Regulations In Iowa

Legal Status
Interest Rate (APR)
337% *
Minimum Loan Amount
Not Specified
Maximum Loan Amount $500
Minimum Loan Term
Not Specified
Maximum Loan Term
31 days
Number of Rollovers 0
Finance Charges
$15 on the first $100 +
>$10 on subsequent $100
Statute of Limitations
10 years (from the last payment)
Database Loan Tracking No

How Much Would A $400 Iowa Payday Loan Cost?

$400 is $100 under the maximum loan amount in Iowa of $500 and is a good amount for an example. The maximum APR in Iowa is 337% and you can take a loan out for up to 31 days.

Let’s assume you take $400 and pay it back before your next paycheck. That means you will make one installment* of $527.33.

This is broken down into $400 in principal, $112.33 in interest and $15 in finance charges.

*Note: an installment loans Iowa is when you pay back a loan over a number of months. In this example, you are paying back over one month and so it is considered a payday loan.

Where In Iowa Can I Get A Online Payday Loan?

Des Moines
Cedar Rapids
Sioux City
Iowa City
West Des Moines
Council Bluffs
Cedar Falls
Mason City
Fort Dodge
North Liberty

Storm Lake
Pleasant Hill
Le Mars
Fort Madison
Mount Pleasant
Sioux Center
Webster City
Clear Lake
Charles City
Orange City

Polk City
Red Oak
Spirit Lake
Glenwood and Windsor Heights
Iowa Falls
Sergeant Bluff
Le Claire
Mount Vernon
Forest City

What Are The Repayment Terms Of A Payday Loan In Iowa?

The terms and conditions of your loan will vary depending on which lender you decide to work with. If you’re taking out a small loan ($1,000 or less) we find that the most common repayment time frame is two to four weeks.

If you’re borrowing over $1,000 (up to $35,000) these payments are usually spread over a longer period of time.

In Iowa, the maximum loan term is 31 days and rollovers are not permitted.

If for any reason you struggle to pay back the loan amount,this could impact the amount of interest you need to pay and could negatively impact your credit rating in the long term.

How Fast Can I Get A Payday Loan?

Fill out our 100% online request form and receive a decision about your loan approval in minutes. If your application is successful, you could even receive the funds directly into your account on the same day.

Capital Bean aims to make the process as fast and straightforward as possible. That is why we work with multiple lenders across Iowa to help get the money to you as quickly as possible. Successful applications can receive money from the lender straight into their account in as little as an hour.

To speed up the process and to help you get fast access to funds, make sure you have relevant information ready to fill out the form such as your bank account details. If you are wanting to receive the decision as quickly as possible, make sure to submit your application during Iowa working hours as this is when the majority of loans are approved. Being able to respond quickly to any queries or document requests will make it more likely that your loan is approved.

What Is The Process To Request A Loan In Iowa?

Get started today by clicking on the ‘Apply Now’ button below. This will take you straight to the online form. Answer some simple questions about how much you wish to borrow and over how much time. You will also be asked for a few personal details including your income, monthly expenditure and employment status.

Frequently Asked Questions in Iowa?

Payday loan amounts range from $100 to $35,000 although Illinois state law prohibits loans of more than $1000 or 25% of gross monthly income.

At Capital Bean you can borrow to be repaid over a maximum period of 5 years. Some of our shortest loans are repaid in 2 weeks depending on the amount.

There are no fees to submit a payday loan request in Iowa via Capital Bean’s online application service.

Absolutely, yes. Capital Bean works with a wide range of people with different credit histories. This also includes those that have a bad credit history or score.

Absolutely, yes. Capital Bean works with a wide range of people with different credit histories. This also includes those that have a bad credit history or score.

Capital Bean is a broker, meaning that we will not pay you the funds directly but instead work with our panel of lenders to get you the best possible rate in Illinois. We will pass your details on to the lender that is best suited to your circumstances. This means the best interest rates and best repayment terms.

If you’re approved you could have the funds in as little as an hour. So if you’re looking to get money through on the same day then Capital Bean could be the right partner for you.

Where are we in Iowa?

Des Moines

Iowa City