Iowa

State Payday Loan Law Information

Payday loans in Iowa are restricted to amounts equal to or less than $500. The maximum term of any loan is 31 days. The maximum finance rate and fees are $15 for loan amounts of $0-$100, $10 per $100 thereafter.

A total of two loans outstanding are permitted at one time. No rollovers are permitted and the loans cannot be repaid, refinanced, or consolidated.

Collections fees are limited to one $15 charge for a NSF check. Criminal action is undetermined.

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