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Best Loans in Iowa, Payday, Auto Title Laws of August 2026

ElitePersonalFinance • Loans By State •
Last Update: August 18, 2026
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According to Chapter 536 of Iowa’s Code of Commerce, regulated loans are capped at $25,000. Allowable finance charges include:

  • 3% per month on balances ≤ $150.
  • 2% per month on balances > $150 but ≤ $300.
  • 1 ½% per month on balances > $300 but ≤ $700.
  • 1% per month on the remaining balance exceeding $700.

For Consumer Credit Loans, Chapter 537 of Iowa’s Consumer Credit Code caps loans at $1,000. Finance charges cannot exceed 21% per year, and the maximum loan term is 25 months for loans of $300 or less and 37 months for loans greater than $300.

Other allowable charges include:

  • A delinquency charge (after the loan is 10 days past due) of 5% or a maximum of $30.
  • A non-sufficient funds (NSF) fee of 5% or $20, whichever is greater.

Best Bad Credit Loans in Iowa of August 2026

Apply Now
Amount:

$100 - $15,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 72 Months
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$1,000 - $50,000
Min. Credit Score:

300
APR:

5.6% - 35.99%
Approval:

5 Minutes
Terms:

3 - 5 Years
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$100 - $40,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$100 - $15,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$100 - $40,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$200 - $5,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

5 Minutes
Terms:

1 - 60 Months
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

5.99% - 35.99%
Approval:

< 1 Day
Terms:

12 - 120 Months
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$1,000 - $35,000
Min. Credit Score:

580
APR:

5.99% - 35.99%
Approval:

< 1 Day
Terms:

90 Days - 72 Months
Licensed in Iowa:

Yes
Get started

For an in-depth look at how bad credit loans work, see our complete guide.

Best Personal Loans for Good Credit in Iowa of August 2026

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

4.99 - 35.99%
Approval:

1 Day
Terms:

12 - 120 months
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$2,000 - $40,000
Min. Credit Score:

640
APR:

7.95% - 35.99%
Approval:

1 - 3 Days
Terms:

36 - 60 months
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$1,000 – $100,000
Min. Credit Score:

0
APR:

4.99 - 35.99%
Approval:

1 Day
Terms:

12 - 120 months
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$1,000 – $35,000
Min. Credit Score:

580
APR:

5.99% – 35.99%
Approval:

< 1 Day
Terms:

90 Days – 72 Months
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$1,000 – $50,000
Min. Credit Score:

500
APR:

3.99% – 35.99%
Approval:

< 1 Day
Terms:

1 – 5 Years
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$1,000 – $50,000

Min. Credit Score:

600
APR:

7.99% - 35.97%
Approval:

< 1 Day
Terms:

3 - 5 Years
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$5,000 – $35,000
Min. Credit Score:

640
APR:

5.99% – 24.99%
Approval:

1 – 7 Days
Terms:

2 - 5 Years
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$2,500-$35,000
Min. Credit Score:

660
APR:

6.99-24.99%
Approval:

1 Day
Terms:

24 - 84 Months
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$7,500 - $40,000
Min. Credit Score:

680
APR:

6 - 15%
Approval:

1 - 7 Days
Terms:

36 - 84 months
Licensed in Iowa:

Yes
Get started

Payday Loan Laws in Iowa of August 2026

Maximum Loan Amount: $500

Minimum Loan Term: Not specified

Maximum Loan Term: 31 days

Maximum Fee: $15 on the first $100 borrowed

Maximum APR: Average 336%

Rollovers: Prohibited

Loan Limit: You can only have two payday loans at a time

Payday loans are legal in Iowa.

Chapter 533D of Iowa’s Delayed Deposit Services Code places a $500 limit on payday loans. Licensed lenders can levy finance charges of $15 on the first $100 borrowed and $10 on each of the following $100 borrowed – up to the maximum $500. A $15 non-sufficient funds (NSF) fee is also allowed.

Conversely, rollovers are prohibited, and borrowers cannot have more than two payday loans at a time.

Payday Loan Laws in Iowa by Country of August 2026

ElitePersonalFinance analysis of payday loan laws by countries in the State of Iowa.

We haven’t found a significant difference between the payday loan laws in Iowa. If you are with bad credit, here are the laws in Iowa by country.

City: Amount Allowed: APR Allowed: Status:
City:Des Moines Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Cedar Rapids Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Davenport Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Sioux City Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Iowa City Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Waterloo Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Ames Amount Allowed:$500 APR Allowed:337% Status:Legal
City:West Des Moines Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Council Bluffs Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Ankeny Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Dubuque Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Urbandale Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Cedar Falls Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Marion Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Bettendorf Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Mason City Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Marshalltown Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Clinton Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Burlington Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Ottumwa Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Fort Dodge Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Muscatine Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Johnston Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Coralville Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Waukee Amount Allowed:$500 APR Allowed:337% Status:Legal
City:North Liberty Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Altoona Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Clive Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Indianola Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Newton Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Boone Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Grimes Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Oskaloosa Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Spencer Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Storm Lake Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Fort Madison Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Norwalk Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Keokuk Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Pella Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Fairfield Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Waverly Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Carroll Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Le Mars Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Pleasant Hill Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Grinnell Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Mount Pleasant Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Denison Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Creston Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Webster City Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Decorah Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Perry Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Clear Lake Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Sioux Center Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Charles City Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Washington Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Hiawatha Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Knoxville Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Nevada Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Atlantic Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Eldridge Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Orange City Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Oelwein Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Independence Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Maquoketa Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Estherville Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Bondurant Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Centerville Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Asbury Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Anamosa Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Algona Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Red Oak Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Clarinda Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Glenwood Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Winterset Amount Allowed:$500 APR Allowed:337% Status:Legal
City:DeWitt Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Sheldon Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Vinton and Iowa Falls Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Manchester Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Osceola and Spirit Lake Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Windsor Heights Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Cherokee Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Shenandoah Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Harlan Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Evansdale Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Sergeant Bluff Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Humboldt Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Polk City Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Mount Vernon Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Camanche Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Adel Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Hampton Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Jefferson Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Chariton Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Carlisle Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Dyersville Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Forest City Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Le Claire Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Monticello Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Carter Lake Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Cresco Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Emmetsburg Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Albia Amount Allowed:$500 APR Allowed:337% Status:Legal
City:West Liberty Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Waukon Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Rock Valley Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Huxley Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Osage Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Saylorville Amount Allowed:$500 APR Allowed:337% Status:Legal
City:New Hampton Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Eagle Grove Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Robins Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Story City Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Tipton Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Williamsburg Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Garner Amount Allowed:$500 APR Allowed:337% Status:Legal
City:Tiffin Amount Allowed:$500 APR Allowed:337% Status:Legal

Car Title Loans in Iowa of August 2026

Car title loans are illegal in Iowa.

Best Auto Loans for Bad Credit in Iowa of August 2026

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

Up to $100,000
Min. Credit Score:

0
APR:

Vary
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$8,000 - $100,000
Min. Credit Score:

500
APR:

2.74% - 27%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

500
APR:

From 3.09%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$250 - $500,000
Min. Credit Score:

640
APR:

2.99% - 21.99%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$1,500 - $20,000
Min. Credit Score:

0
APR:

18.00% - 35.99%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$1,000 - $45,000
Min. Credit Score:

0
APR:

From 0.99%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$1,000 - $35,000
Min. Credit Score:

0
APR:

From 1.99%

Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$7,500 - $50,000
Min. Credit Score:

500
APR:

From 3.39%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$5,000 – $55,000
Min. Credit Score:

510
APR:

3.99% - 24.99%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

3.90% - 27.90%
Licensed in Iowa:

Yes
Get started

Best Auto Loans for Good Credit in Iowa of August 2026

Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

From 1.99%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

500
APR:

From 3.09%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$250 - $500,000
Min. Credit Score:

640
APR:

2.99% - 21.99%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$5,000-$100,000
Min. Credit Score:

660
APR:

4.99% to 9.19%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$7,500 - $50,000
Min. Credit Score:

500
APR:

From 3.39%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$8,000 - $100,000
Min. Credit Score:

500
APR:

2.74% - 27%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$1,000 - $100,000
Min. Credit Score:

0
APR:

3.90% - 27.90%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$3,000 - $100,000
Min. Credit Score:

650
APR:

From 3.12%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$5,000 - $100,000
Min. Credit Score:

640
APR:

From 3.54%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$5,000 – $55,000
Min. Credit Score:

510
APR:

3.99% - 24.99%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$5,000 - $100,000
Min. Credit Score:

600
APR:

3.54% - 10.24%
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$1,500 - $20,000
Min. Credit Score:

0
APR:

18.00% - 35.99%
Licensed in Iowa:

Yes
Get started

Credit Unions in Iowa of August 2026

Name: APR: Amount:
Name:Veridian Credit Union APR:7.50% – 21.00% Amount:Up to $40,000
Name:Dupaco Community Credit Union APR:8.50%+ Amount:$15,000+

Veridian Credit Union

At Veridian Credit Union, you have three financing options to choose from:

  • Premier Personal Loans allow you to borrow anywhere from $10,000 to $40,000. Loans are unsecured and designed for borrowers with credit scores of 720 or higher.
  • Personal Loans allow you to borrow up to $20,000 and loans are also unsecured. To qualify, you must provide your credit score, a proven record of job stability, and demonstrate that you can manage the debt load.
  • Payday Alternative Loans (PAL) allow you to borrow up to $1,000 – with half given upfront and the other half withheld until the loan is repaid. To qualify, you must set up a direct deposit with Veridian, provide income proof, and not take out a PAL in the last six months.

APRs are:

  • 60-Month Premier Personal Loan: as low as 7.50%.
  • 120-Month Premier Personal Loan: as low as 8.00%.
  • 12-Month Personal Loan: as low as 7.50%.
  • 24-Month Personal Loan: as low as 8.50%.
  • 36-Month Personal Loan: as low as 9.50%.
  • 48-Month Personal Loan: as low as 10.00%.
  • 60-Month Personal Loan: as low as 10.50%.
  • 6-Month Payday Alternative Loan (PAL): 19% to 21%.

You can also receive a 0.25% reduction in your APR by enrolling in direct deposit and setting up automatic loan payments.

Veridian Credit Union operates 27 branches across Iowa, with locations in Ankeny, Waterloo, Independence, Des Moines, etc.

Dupaco Community Credit Union

Dupaco Community Credit Union offers one unsecured loan option and two secured loan options:

  • Signature Loans allow you to borrow up to $15,000 and average APRs are 8.50% for 24-month loans and 9.00% for 36-month loans. All loans are unsecured, and you can obtain a 0.05% to 0.15% APR discount by opening a Dupaco savings and checking account (while maintaining certain balance minimums) and setting up automatic payments.
  • Share Secured Loans are designed for borrowers who don’t qualify for Signature Loans. A savings or term share certificate is used as collateral, allowing the loan to extend up to 100% of the collateral deposited. Terms also extend up to 36 months, but APRs vary by borrowers.
  • Credit Coach Loans are designed for borrowers who need to repair or establish their credit. Loans are part of Dupaco’s Credit Coach Program – where borrowers work one-on-one with a lending expert to help build their credit score. The program is free of charge, and you can borrow up to $1,500 with an APR as low as 8.95%. Terms extend up to 12 months, and all withheld funds earn dividends in your Dupaco savings account.

Dupaco Community Credit Union operates 10 branches across Iowa, located in Manchester, Platteville, Marion, Dubuque, and others.

All Licensed Credit Unions in Iowa of August 2026

Name: City: Size (Millions): Members:
Name:VERIDIAN CREDIT UNION City:Waterloo Size (Millions):$2,019.28 Members:165849
Name:UNIVERSITY OF IOWA COMMUNITY CREDIT UNION City:Iowa City Size (Millions):$1,422.34 Members:90244
Name:COLLINS COMMUNITY CREDIT UNION City:Cedar Rapids Size (Millions):$685.39 Members:64102
Name:DUPACO COMMUNITY CREDIT UNION City:Dubuque Size (Millions):$975.14 Members:63772
Name:COMMUNITY 1ST CREDIT UNION City:Ottumwa Size (Millions):$368.93 Members:45983
Name:DU TRAC COMMUNITY CREDIT UNION City:Dubuque Size (Millions):$514.64 Members:40440
Name:COMMUNITY CHOICE CREDIT UNION City:Johnston Size (Millions):$334.72 Members:35518
Name:ASCENTRA CREDIT UNION City:Bettendorf Size (Millions):$257.14 Members:30814
Name:GREATER IOWA CREDIT UNION City:Ames Size (Millions):$283.84 Members:28790
Name:LINN AREA CREDIT UNION City:Cedar Rapids Size (Millions):$284.34 Members:23632
Name:MEMBERS1ST COMMUNITY CREDIT UNION City:Marshalltown Size (Millions):$139.84 Members:19367
Name:THE FAMILY CREDIT UNION City:Davenport Size (Millions):$113.95 Members:17079
Name:TELCO-TRIAD COMMUNITY CREDIT UNION City:Sioux City Size (Millions):$74.99 Members:16767
Name:CITIZENS COMMUNITY CREDIT UNION City:Fort Dodge Size (Millions):$144.67 Members:14561
Name:PREMIER CREDIT UNION City:Des Moines Size (Millions):$97.35 Members:14412
Name:AFFINITY CREDIT UNION City:Des Moines Size (Millions):$66.01 Members:11978
Name:FINANCIAL PLUS CREDIT UNION City:West Des Moines Size (Millions):$95.30 Members:11767
Name:FIRST CLASS CREDIT UNION City:West Des Moines Size (Millions):$58.01 Members:10669
Name:IOWA COMMUNITY CREDIT UNION City:Cedar Falls Size (Millions):$77.98 Members:10261
Name:NORTH IOWA COMMUNITY CREDIT UNION City:Mason City Size (Millions):$60.04 Members:10177
Name:NORTH STAR CREDIT UNION City:Cherokee Size (Millions):$66.89 Members:9540
Name:ALLIANT CREDIT UNION City:Dubuque Size (Millions):$87.04 Members:9330
Name:CEDAR FALLS COMMUNITY CREDIT UNION City:Cedar Falls Size (Millions):$87.49 Members:8839
Name:1ST GATEWAY CREDIT UNION City:Camanche Size (Millions):$80.48 Members:8162
Name:FIRST FEDERAL CREDIT UNION City:Cedar Rapids Size (Millions):$144.18 Members:8067
Name:MEMBERS COMMUNITY CREDIT UNION City:Muscatine Size (Millions):$47.63 Members:6758
Name:EMPLOYEES CREDIT UNION City:Estherville Size (Millions):$74.80 Members:6702
Name:LENNOX EMPLOYEES CREDIT UNION City:Marshalltown Size (Millions):$33.48 Members:6226
Name:TRADESMEN COMMUNITY CREDIT UNION City:Des Moines Size (Millions):$37.56 Members:6170
Name:CASEBINE COMMUNITY CREDIT UNION City:West Burlington Size (Millions):$29.49 Members:5810
Name:DES MOINES METRO CREDIT UNION City:Des Moines Size (Millions):$42.97 Members:5519
Name:ADVANTAGE CREDIT UNION City:Newton Size (Millions):$49.22 Members:5353
Name:RIVER VALLEY CREDIT UNION City:Ames Size (Millions):$47.34 Members:5233
Name:NISHNA VALLEY CREDIT UNION City:Atlantic Size (Millions):$23.95 Members:5126
Name:THE CORNERSTONE CREDIT UNION City:Des Moines Size (Millions):$14.56 Members:4743
Name:N.W. IOWA CREDIT UNION City:Le Mars Size (Millions):$35.15 Members:4511
Name:MERCY-CITY-LEHIGH FAMILY CREDIT UNION City:Mason City Size (Millions):$30.59 Members:4500
Name:MIDLAND CREDIT UNION City:Urbandale Size (Millions):$37.11 Members:4355
Name:FEDERAL EMPLOYEES CREDIT UNION City:Des Moines Size (Millions):$18.27 Members:4227
Name:FAMILY COMMUNITY CREDIT UNION City:Charles City Size (Millions):$18.33 Members:4134
Name:UNITED SERVICE CREDIT UNION City:Des Moines Size (Millions):$35.88 Members:4122
Name:EDCO COMMUNITY CREDIT UNION City:Des Moines Size (Millions):$39.43 Members:4098
Name:MIDWEST COMMUNITY CREDIT UNION City:Sioux City Size (Millions):$21.67 Members:3974
Name:METCO CREDIT UNION City:Cedar Rapids Size (Millions):$22.65 Members:3967
Name:HENRY COUNTY COMMUNITY CREDIT UNION City:Mt Pleasant Size (Millions):$17.96 Members:3882
Name:PEOPLES CREDIT UNION City:Webster City Size (Millions):$20.92 Members:3739
Name:ACE COMMUNITY CREDIT UNION City:Ames Size (Millions):$32.32 Members:3641
Name:IOWA HEARTLAND CREDIT UNION City:Mason City Size (Millions):$19.08 Members:3590
Name:THE HUB-CO CREDIT UNION City:Keokuk Size (Millions):$13.92 Members:3195
Name:AEGIS CREDIT UNION City:Clinton Size (Millions):$9.88 Members:3163
Name:RIVER COMMUNITY CREDIT UNION City:Ottumwa Size (Millions):$14.57 Members:2880
Name:FORT DODGE FAMILY CREDIT UNION City:Fort Dodge Size (Millions):$20.94 Members:2840
Name:MERIDIAN CREDIT UNION City:Ottumwa Size (Millions):$31.32 Members:2831
Name:UNI CREDIT UNION City:Cedar Falls Size (Millions):$17.48 Members:2683
Name:UNITED CREDIT UNION City:Council Bluffs Size (Millions):$13.43 Members:2656
Name:THE MUNICIPAL CREDIT UNION City:Sioux City Size (Millions):$12.95 Members:2621
Name:TEAMSTERS LOCAL #238 CREDIT UNION City:Cedar Rapids Size (Millions):$7.43 Members:2452
Name:FRONTIER COMMUNITY CREDIT UNION City:Fort Dodge Size (Millions):$16.04 Members:2396
Name:BENT RIVER COMMUNITY CREDIT UNION City:Davenport Size (Millions):$21.61 Members:2390
Name:RACOM COMMUNITY CREDIT UNION City:Dyersville Size (Millions):$11.74 Members:2288
Name:SIOUX VALLEY COMMUNITY CREDIT UNION City:Sioux City Size (Millions):$22.19 Members:2279
Name:SCOTT SCHOOLS CREDIT UNION City:Davenport Size (Millions):$18.35 Members:2261
Name:DES MOINES POLICE OFFICERS CREDIT UNION City:Des Moines Size (Millions):$35.19 Members:2243
Name:PUBLIC EMPLOYEES CREDIT UNION City:Waterloo Size (Millions):$24.95 Members:2184
Name:THREE I CREDIT UNION City:Burlington Size (Millions):$7.49 Members:2148
Name:VILLAGE CREDIT UNION City:Des Moines Size (Millions):$8.96 Members:2116
Name:TOWN AND COUNTRY CREDIT UNION City:Harlan Size (Millions):$12.83 Members:2027
Name:CAPITOL VIEW CREDIT UNION City:Des Moines Size (Millions):$25.75 Members:1920
Name:QUAKER OATS CREDIT UNION City:Cedar Rapids Size (Millions):$6.83 Members:1893
Name:POLK COUNTY SCHOOLS EMPLOYEES CREDIT UNION City:Urbandale Size (Millions):$9.72 Members:1761
Name:POWER CO-OP EMPLOYEES CREDIT UNION City:Humboldt Size (Millions):$25.21 Members:1688
Name:ALLEN HOSPITAL PERSONNEL CREDIT UNION City:Waterloo Size (Millions):$5.15 Members:1652
Name:CONSUMERS CREDIT UNION City:Denison Size (Millions):$5.29 Members:1644
Name:CHEMICAL CREDIT UNION City:Clinton Size (Millions):$11.54 Members:1603
Name:DUBUQUE TEACHERS CREDIT UNION City:Dubuque Size (Millions):$14.70 Members:1582
Name:EMC CREDIT UNION City:Des Moines Size (Millions):$7.31 Members:1343
Name:CHICAGO CENTRAL AND COMMERCE CREDIT UNION City:Waterloo Size (Millions):$7.03 Members:1330
Name:HOLY GHOST PARISH CREDIT UNION City:Dubuque Size (Millions):$28.57 Members:1259
Name:RIVER BEND CREDIT UNION City:West Burlington Size (Millions):$7.38 Members:1242
Name:MIDWEST FEDERAL EMPLOYEES CREDIT UNION City:Waterloo Size (Millions):$7.68 Members:1231
Name:NORTH WESTERN EMPLOYEES CREDIT UNION City:Council Bluffs Size (Millions):$7.32 Members:1165
Name:INDUSTRIAL EMPLOYEES CREDIT UNION City:Centerville Size (Millions):$8.00 Members:1146
Name:GOVERNMENT EMPLOYEES CREDIT UNION City:Mason City Size (Millions):$4.23 Members:1125
Name:ACE CREDIT UNION City:Mason City Size (Millions):$9.06 Members:1069
Name:DES MOINES FIRE DEPARTMENT CREDIT UNION City:Des Moines Size (Millions):$6.15 Members:1016
Name:POLK COUNTY CREDIT UNION City:Des Moines Size (Millions):$3.70 Members:991
Name:ASHWORTH CREDIT UNION City:West Des Moines Size (Millions):$6.21 Members:974
Name:WARREN CREDIT UNION City:Waterloo Size (Millions):$5.85 Members:912
Name:SCICAP CREDIT UNION City:Chariton Size (Millions):$2.59 Members:862
Name:GENERAL DRIVERS CREDIT UNION City:Dubuque Size (Millions):$6.62 Members:811
Name:USDA CREDIT UNION City:Des Moines Size (Millions):$4.15 Members:797
Name:A – E EMPLOYEES CREDIT UNION City:Des Moines Size (Millions):$2.67 Members:778
Name:EATON EMPLOYEES CREDIT UNION City:Shenandoah Size (Millions):$2.18 Members:755
Name:KAH CREDIT UNION City:Keokuk Size (Millions):$2.19 Members:755
Name:K.E.M. CREDIT UNION City:Keokuk Size (Millions):$0.60 Members:733
Name:EAGLE ROCK CREDIT UNION City:Clinton Size (Millions):$3.45 Members:729
Name:S E C U CREDIT UNION City:Keokuk Size (Millions):$1.72 Members:695
Name:BURLINGTON MUNICIPAL EMPLOYEES CREDIT UNION City:Burlington Size (Millions):$3.57 Members:646
Name:LOUDEN DEPOT COMMUNITY CREDIT UNION City:Fairfield Size (Millions):$3.05 Members:628
Name:LEECO CREDIT UNION City:Keokuk Size (Millions):$2.06 Members:583
Name:MIDWEST UTILITIES CREDIT UNION City:Waterloo Size (Millions):$2.18 Members:577
Name:GAS & ELECTRIC EMPLOYEES CREDIT UNION City:Mason City Size (Millions):$4.75 Members:530
Name:VON MAUR EMPLOYEES CREDIT UNION City:Davenport Size (Millions):$0.48 Members:507
Name:DES MOINES WATER WORKS CREDIT UNION City:Des Moines Size (Millions):$1.42 Members:490
Name:WATERLOO POLICE CREDIT UNION City:Cedar Falls Size (Millions):$2.67 Members:483
Name:EATON EMPLOYEES CREDIT UNION City:Spencer Size (Millions):$1.82 Members:472
Name:DES MOINES COUNTY POSTAL CREDIT UNION City:Burlington Size (Millions):$2.94 Members:466
Name:DU PONT EMPLOYEES CREDIT UNION City:Fort Madison Size (Millions):$3.06 Members:465
Name:MHI INDEPENDENCE EMPLOYEES CREDIT UNION City:Independence Size (Millions):$1.58 Members:456
Name:WATERLOO FIREMEN’S CREDIT UNION City:Waterloo Size (Millions):$2.17 Members:418
Name:ETS CREDIT UNION City:Eldora Size (Millions):$2.14 Members:417
Name:GREAT RIVER ROAD CREDIT UNION City:Buffalo Size (Millions):$2.28 Members:409
Name:NORTHWESTERN STATES CEMENT EMPLOYEE CREDIT UNION City:Mason City Size (Millions):$0.81 Members:401
Name:LEHIGH VALLEY CREDIT UNION City:Lehigh Size (Millions):$3.83 Members:397
Name:N.G.P.L. EMPLOYEES CREDIT UNION City:St Charles Size (Millions):$2.96 Members:391
Name:OELWEIN-CRESCO CREDIT UNION City:Cresco Size (Millions):$1.12 Members:367
Name:DAVENPORT POLICE DEPARTMENT CREDIT UNION City:Davenport Size (Millions):$3.63 Members:363
Name:ST. ATHANASIUS CREDIT UNION City:Jesup Size (Millions):$0.46 Members:309
Name:POSTAL EMPLOYEES CREDIT UNION City:Fort Dodge Size (Millions):$1.58 Members:306
Name:M. A. FORD EMPLOYEES CREDIT UNION City:Davenport Size (Millions):$0.95 Members:283
Name:DUBUQUE POSTAL EMPLOYEES CREDIT UNION City:Dubuque Size (Millions):$4.77 Members:268
Name:MUNI EMPLOYEES CREDIT UNION City:Ottumwa Size (Millions):$0.75 Members:264
Name:A.Y. MCDONALD EMPLOYEES CREDIT UNION City:Dubuque Size (Millions):$0.67 Members:237
Name:WEBSTER CITY MUNICIPAL CREDIT UNION City:Webster City Size (Millions):$0.49 Members:231
Name:MORRISON EMPLOYEES CREDIT UNION City:Dubuque Size (Millions):$1.75 Members:226
Name:CIRCLE K CREDIT UNION City:Dubuque Size (Millions):$0.77 Members:223
Name:URBANDALE MUNICIPAL EMPLOYEES CREDIT UNION City:Urbandale Size (Millions):$1.49 Members:193
Name:BILT-WELL CREDIT UNION City:Dubuque Size (Millions):$0.92 Members:182
Name:ST. LUDMILA S CREDIT UNION City:Cedar Rapids Size (Millions):$0.37 Members:180
Name:RIMODA CREDIT UNION City:Davenport Size (Millions):$0.39 Members:162

Student Loans in Iowa of August 2026

All Iowa Opportunity Scholarship (AIOS)

The All Iowa Opportunity Scholarship (AIOS) is a state-funded program available to Iowa students who attend eligible colleges and universities. The award adjusts each year, but a $4,644 maximum was granted in 2019/2020. You can receive grants for up to 8 full-time semesters or 16 part-time semesters if you’re a first-time recipient.

To qualify:

  • Be an Iowa resident and attend an eligible college or university.
  • Have graduated from an eligible Iowa high school or completed an equivalency program within the last 2 years.
  • Enroll for at least 3 semester hours in a program that leads to an undergraduate degree, diploma, or certificate.
  • Complete your Federal Student Aid (FAFSA) application and Iowa Financial Aid (IFAA) application by March 1.

Priority is also given to:

  • Students who age out of Iowa’s foster care system.
  • Children of deceased public safety workers.
  • Students who took part in select federal TRIO programs.
  • Students with alternative educational backgrounds.
  • Students who took part in the Federal GEAR UP Grant program in Iowa.

Federal Housing Administration (FHA) Loans in Iowa of August 2026

There are 99 counties in Iowa where you can apply for an FHA loan. The low and high figures are identical across all 99 counties – where the lowest loan available is $314,827, and the highest loan available is $605,525.

County: Single Unit Limit (lowest): Four-Plex Limit (highest):
County:Adair County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Adams County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Allamakee County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Appanoose County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Audubon County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Benton County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Black Hawk County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Boone County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Bremer County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Buchanan County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Buena Vista County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Butler County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Calhoun County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Carroll County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Cass County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Cedar County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Cerro Gordo County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Cherokee County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Chickasaw County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Clarke County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Clay County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Clayton County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Clinton County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Crawford County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Dallas County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Davis County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Decatur County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Delaware County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Des Moines County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Dickinson County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Dubuque County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Emmet County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Fayette County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Floyd County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Franklin County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Fremont County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Greene County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Grundy County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Guthrie County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Hamilton County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Hancock County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Hardin County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Harrison County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Henry County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Howard County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Humboldt County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Ida County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Iowa County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Jackson County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Jasper County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Jefferson County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Johnson County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Jones County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Keokuk County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Kossuth County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Lee County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Linn County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Louisa County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Lucas County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Lyon County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Madison County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Mahaska County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Marion County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Marshall County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Mills County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Mitchell County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Monona County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Monroe County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Montgomery County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Muscatine County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:O’brien County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Osceola County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Page County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Palo Alto County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Plymouth County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Pocahontas County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Polk County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Pottawattamie County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Poweshiek County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Ringgold County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Sac County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Scott County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Shelby County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Sioux County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Story County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Tama County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Taylor County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Union County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Van Buren County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Wapello County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Warren County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Washington County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Wayne County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Webster County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Winnebago County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Winneshiek County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Woodbury County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Worth County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100
County:Wright County Single Unit Limit (lowest):$331,760 Four-Plex Limit (highest):$638,100

Business Loans in Iowa of August 2026

If your business needs capital, the online lenders below offer quality service and can help structure a loan that’s right for you.

Apply Now
Amount:

Up to $10,000,000
APR:

Vary
Min. Credit Score:

0
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$5,000 - $500,000
APR:

9.77% - 35.98%
Min. Credit Score:

600
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$5,000 - $500,000
APR:

5.99% – 35.99%
Min. Credit Score:

500
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

Up to $250,000
APR:

24% – 99%
Min. Credit Score:

560
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

Up to $350,000
APR:

9.28 - 10.52%
Min. Credit Score:

650
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

Up to $350,000
APR:

10.00 - 25.00%
Min. Credit Score:

680
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$75,000 - $5,000,000
APR:

5.50 - 8.25%
Min. Credit Score:

650
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

Up to $500,000
APR:

12.18 - 36.00%
Min. Credit Score:

660
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

Up to $500,000
APR:

9.00 - 99.00%
Min. Credit Score:

600
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

Up to $5,000,000
APR:

15.00 - 78.00%
Min. Credit Score:

600
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

Up to $1,000,000
APR:

Vary
Min. Credit Score:

0
Licensed in Iowa:

Yes
Get started
Apply Now
Amount:

$6,000 to $250,000
APR:

Vary
Min. Credit Score:

0
Licensed in Iowa:

Yes
Get started

However, if you prefer a local touch, consider the Siouxland Economic Development Corporation (SEDC).

Siouxland Economic Development Corporation (SEDC)

The Siouxland Economic Development Corporation (SEDC) was incorporated in 1979 and is a certified SBA loan company and Microloan intermediary. Its Board of Directors consists of volunteer members representing business, labor, government, and civic interests across communities in Iowa.

The SEDC offers three types of loans:

  • Microloans allow you to borrow up to $50,000. However, amounts greater than $15,000 require a denial letter from your financial institution. The interest rate is fixed at 8%, and no down payment is required. Loans take 30 to 45 days to process, and items purchased – such as inventory, supplies, or machinery – are used as collateral to secure the loan. A personal guaranty is also required.
  • Revolving Loans offer the lessor of $100,000 or 25% of the total project cost – given the project creates jobs in the state. If not, you can borrow less than $40,000 or 25% of the total project cost if no jobs are created. Interest rates have a 3.50% floor and are usually 2% below a primary lender’s rate. As well, a 10% down payment is required, and your term depends on the collateral provided.
  • SBA 504 Loans allow you to borrow up to $5 million or 40% of the project’s cost. Terms usually range from 10 to 20 years, and interest rates are approximately 1% to 1 ½% above the 5 and 10-year Treasury Note. Down payments also range from 10% to 20%.

To learn more, you can visit the SEDC at 617 Pierce St, Ste 202, Sioux City, IA 51101. Or you can call them at: (712) 279-6430.

Conclusion

For Consumer Credit Loans, Iowa regulators require a cap of $1,000. Finance charges cannot exceed 21% annually, and terms vary from 25 to 37 months. Payday loans are legal in Iowa, though amounts are capped at $500. APRs average 336% and borrowers are limited to two payday loans at a time. Conversely, car title loans are illegal in Iowa. It took years, but state senators finally drove the product out of Iowa.

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