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Apply for Payday Loans Today in Iowa With Harpsey

You can apply for payday loans in Iowa through our quick online service and receive an instant decision on your application. Harpsey helps to match you with a lender, whether you are based in Des Moines, Iowa City, or anywhere in Iowa. Apply for $100 to $35,000 and you could have access to funds that very same day. There are no fees for applying with Harpsey – click ‘Apply Now’ to get started!

What are the Key Features of a Payday Loan in Iowa?


Direct Lenders Yes
APR 337%
Maximum Loan Amount $500
Maximum Loan Term 31 Days
Same Day Funding Yes
Bad Credit Yes

How Much Would a $400 Loan Cost in Iowa?

This is a representative example. Terms may vary from lender to lender.

If you borrow $400 over 31 days, with the maximum APR of 337%, you would pay $527.33.

How To Apply For a Payday Loan in Iowa With Harpsey


Fill Out Our Quick Online Form


Get An Instant Offer From A Lender


If Approved, Receive Your Money Today!

How Quickly Can I Get a Payday Loan in Iowa?

We understand that you might be facing an emergency and need access to additional funds quickly. Applying with your bank might take a long time to get approved. Our easy online process means you can have a decision within minutes. If successful, your one lump sum loan could be sent to your checking account the same day or by the next business day.  

It only takes a couple of minutes to fill out our simple online form. To make the process as quick as possible, make sure that you provide accurate information about your employment and personal details and can be contacted easily by phone or email by your potential lender.

iowa payday loans

What Criteria Are There To Get a Payday Loan in Iowa?

To be eligible for a payday loan in Iowa and increase your chance of being approved there are five main conditions to note:

  • You must be a citizen of the US
  • You must be over 18 years old
  • You must earn a minimum of $800
  • You must a regular and stable income
  • You must have a live checking account 

Why Should I Get a Payday Loan in Iowa?

Many people searching for a payday loan find themselves in an urgent financial situation. You might need money now to pay for an increased bill or a medical emergency that will leave you short for the month. It is important to make sure that you are using a payday loan as it is designed to be used, as falling behind on loan payments can lead to damaging your credit score.

Applying for a payday loan with Harpsey could be the solution to help you until your next paycheck. Our free online service is here to help you get back on your feet and inquiring will have no impact on your credit report.

When Do I Have To Repay My Payday Loan in Iowa?

Once approved for a loan in Iowa, your repayment terms will be agreed with your chosen lender.  You don’t have to repay your loan on payday – it can be repaid over two weeks to five years in installments.

For smaller loan amounts,  few weeks could be enough time to tide you over until your next paycheck. For larger amounts, you can break up the repayments into more manageable amounts to pay each month.

Your repayments for your short term loan will be collected automatically from your account on an agreed date, making the process hassle-free. Make sure you are confident in your repayment terms as if you miss your payment deadlines, interest might be added to your loan and this could affect your credit score further.

Can I Get a Payday Loan in Iowa With Guaranteed Approval?

Whilst guaranteed approval for a payday loan in Iowa is not always possible, our service works with a range of lenders across Iowa that would consider other collateral and not just your credit history. So even if you have bad credit, Harpsey makes it easy to find a lender to suit your needs.

Do You Offer Payday Loans with No Credit Checks in Iowa?

Yes! We can consider applications for no credit check loans. It is important to note that often our partner lenders will want to run a credit check when processing your application to determine the terms of your loan. Once you have completed our quick online form, Harpsey will only run a soft credit check which will not show on your credit report.

Can I Get a Payday Loan in Iowa with Bad Credit?

Yes! If you have bad credit, Harpsey can help match you with lenders to get you a payday loan. Many of our partners specialize in helping borrowers with bad credit history, so you should still consider applying even if you have had an application turned down by a bank or lender. As long as you fit the criteria to be eligible for a payday loan, we will work our hardest to connect your loan inquiry with the lender most likely to approve you.

Where Can I Find Payday Loans in Iowa?

Harpsey can help you find the best payday loan for your needs, no matter which town or city in Iowa you come from.

Our fully online matching service can find a direct money lender to give you the most competitive rate, even if you have bad credit, with areas including:

  • Algona,
  • Ames,
  • Ankeny,
  • Bettendorf,
  • Boone,
  • Brandon,
  • Burlington,
  • Carroll,
  • Carter Lake,
  • Cedar Falls,
  • Cedar Rapids,
  • Centerville,
  • Clinton,
  • Clive,
  • Coralville,
  • Corydon,
  • Council Bluffs,
  • Creston,
  • Davenport,
  • Decorah,
  • Denison,
  • Des Moines,
  • Dubuque,
  • Fort Dodge,
  • Fort Madison,
  • Glenwood,
  • Indianola,
  • Iowa City,
  • Iowa Falls
  • Johnston,
  • Keokuk,
  • Le Mars,
  • Maquoketa,
  • Marion,
  • Marshalltown,
  • Mason City,
  • Muscatine,
  • Newton,
  • Oelwein,
  • Ottumwa,
  • Pella Perry,
  • Red Oak,
  • Sheldon,
  • Shenandoah,
  • Sioux City,
  • Spencer Spirit,
  • Lake Urbandale,
  • Waterloo,
  • Waukon,
  • Webster City,
  • West Des Moines,
  • Winterset

FAQs | Payday Loans in Iowa

No. Harpsey is a broker. Our online service matches you with a reputable lender. Your payday loan money will come directly from the lender.

Yes. You can always look to repay your loan early. Your lender may charge a fee for early repayment but it is likely you will save money on interest accumulating on your loan.

Borrowers cannot have more than 2 loans at a time in Iowa.

There is a price cap of 433% for loans in Iowa. The price cap exists as an extra form of protection for borrowers.

Yes. You can still apply if you are self-employed, as long as you have a strong and stable income and meet the other eligibility requirements.