Iowa Personal Loan for Bad Credit Laws and Regulations in (IA)

(last updated 06/11/2019)
536.1 Title — license required. 536.2 Application — fees. 536.3 Bond. 536.4 Grant or refusal of license. 536.5 License — form — posting. 536.6 Additional bond — available assets. 536.7 Separate license — change of name or place of business. 536.7A Change in control — approval. 536.8 Annual fee — payment. 536.9 Disciplinary action. 536.10 Examination of business — fee. 536.11 Records — annual report by licensee. 536.12 Restrictions on practices. 536.13 Loan classifications, interest rates, and charges — report, penalty, and consumer credit code applicability. 536.14 Rights of borrower — payments. 536.15 Limitation on principal amount. 536.16 Nonresident licensees — face-to-face solicitation. 536.17 and 536.18 Reserved. 536.19 Violations. 536.20 Nonapplicability of statute. 536.21 Rules. 536.22 Assistants. 536.23 Judicial review. 536.24 List of licensees by banking superintendent. 536.25 Statement of indebtedness of borrower. Repealed by 2006 Acts, ch 1042, §42. 536.26 Insured loans. 536.27 Insurance related to property of borrower. 536.28 Definitions. 536.29 Enforcement of Iowa consumer credit code. 536.30 Powers and duties of the superintendent — nationwide system.
 
This information is for informational purposes only. Although care has been taken to accurately describe the laws and regulations in Iowa, no guarantees are implied or expressed about its accuracy. This is not legal advice. If you need legal advice, please consult an attorney or the Iowa Division of Banking Finance Bureau.
 
The following classes of lending organizations may be exempt from some, all, or none of the regulations and laws set by the state of Iowa. Federally chartered banks, state chartered banks, credit unions and some entities organized under the laws of a sovereign nation (for Example) a Native American Tribe or the country of Antigua.

Iowa Personal Loan for Bad Credit Lending Regulator (IA)

Regulating Authority
Iowa Division of Banking Finance Bureau
200 East Grand Avenue
Suite 300
Des Moines, IA 50309
(515) 281-4014
www.idob.state.ia.us

Agency for Handling Complaints
Iowa Division of Banking
200 East Grand Avenue
Suite 300
Des Moines , IA 50309-1827
(515) 281-4014
www.idob.state.ia.us/bank/docs/comscomp.aspx

 

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Personal Loans in IA
$1,000 to $40,000 - Credit Score 650+
 
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For Bad to Excellent Credit. Flexible Terms.

Flag of the State of Iowa It’s not always easy to stay on top of the bills and keep the lights on, and there are times here in the Hawkeye State when you might find yourself looking for loans for people with bad credit. Because when the lights go out in your Davenport apartment because you’re behind on the utility bill, the first thing you do (after finding the flashlight) is to look for a way to quickly raise some cash. A bad credit personal loan can be the way.

From Fort Dodge to Waterloo, and Des Moines to Riverside, there are all too many ways that minor nuisances can quickly escalate into major financial problems without a quick cash infusion. Just because you may have bad credit from the medical bills after your stay at the Marian Health Center in Sioux City, or after you lost your house in Iowa City during the Great Recession, doesn’t mean you can’t find a personal loan to get you through the latest mini-crisis.

That tow truck in Burlington looked an awful lot like it was towing your car—and guess what? It was your car. And you can’t afford to wait to get it back.

Same with your laptop. Permanent blue screen of death. So you brought it to a computer repair shop in Cedar Rapids. They just called to tell you it’s not worth trying to fix. But your laptop is your livelihood, and you’ve got to find a way to buy another one.

Maybe you live in Osborne and are a self-employed contractor working in Dubuque. You’re waiting on a payment but in the meantime you’ve got to come up with some cash to fix your work truck. A bad credit personal loan could get you back on the road so you can also get back on the job.

Or perhaps you find yourself stuck with a nasty mess you didn’t create but which you’ve got to fix—like when your roommate in Council Bluffs threw a party on your back deck and half the deck collapsed. He conveniently took off for Des Moines and now your landlord is looking at you to pay for the damages or else she’s going to evict you—and there’s no way you want to move back in with your folks in Grinnell. A bad credit personal loan could come in handy right about now.

Are your finances coming up short? An installment loan might be just the boost you need to stay on top of things. However, getting a loan with bad credit can be tough. We Give Loans understands.

Our unique network has 10,472 loan sources that offer personal loans for people with bad credit. With one short, secure, form, we can pair you with the right loan source for your situation. Approvals are online and typically take minutes. In 1 to 72 business hours, most lenders can fund installment loans of $500 to $5,000 with flexible repayment terms ranging from 2 to 36 months.

Since 2006, We Give Loans has successfully paired more than two million people with the right loan source, even people seeking personal loans for bad credit! Our no cost, no obligation pairing process is simple to use and is far more efficient than filling out application after application with many different lenders. Complete our form today and see how easy it is to reach financial peace of mind!


 

Iowa Personal Loans for Bad Credit (IA) by City

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