Apply for Payday Loans Today in Iowa With Harpsey

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

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.

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.

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 

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.

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.

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.

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: