Iowa Personal Loan Laws and Regulations in (IA)

(last updated 11/13/2019)
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 Repealed by 2006 Acts, ch 1042, §42. 536.26 Insured loans. 536.27 Insurance related to property of borrower. 536.28 Definitions. 536.29 Enforcement of Iowa consumer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 Lending Regulator (IA)

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

Agency for Handling Complaints
Iowa Division of Banking
200 East Grand Avenue
Suite 300
Des Moines , IA 50309-1827
(515) 281-4014


Personal Loan Request

Start by tailoring your loan amount
Your Preferred Amount
Your Preferred Term
Your Preferred Interest Rate
Based on your entries above...

Total of

Monthly Payment


Related Iowa Loan Programs

Personal Loans for Bad Credit in IA
$500 to $5,000 - Credit Score Less Than 650
Small Business Loans in IA
For Bad to Excellent Credit. Flexible Terms.
Flag of the State of Iowa The Hawkeye State is full of dreamers and doers. And there are lots of reasons you might want a little extra cash to make one of your dreams a reality here in Iowa. Whether you’re in Fort Dodge or Waterloo, Des Moines or Council Bluffs, or anywhere in between, an unsecured loan can be just the thing you need to put your plan into action and see it succeed.

You’ve worked in the insurance industry in Des Moines for years, and you’re ready for a change of scenery. You’ve always loved the history of the Amana Colonies and you want to open your own historical gift shop. But of course you’ll need to find some start up cash.

You might not live in Dyersville but you’ve got your own field of dreams: twenty fertile acres of former corn fields near Martelle where you’re now growing organic herbs and spices for upscale restaurants in Cedar Rapids. But you’re going to need some seed money—literally—and a signature loan would come in handy.

Or is it a nice vacation you’re craving? Maybe a long weekend of surf, sand, and Rock & Roll in Clear Lake is just the thing. Or perhaps a romantic tour for two of the covered bridges of Madison County. Either way, you’ll need a little money to make it happen—maybe a couple thousand to do it in style.

And speaking of style, what about the wheels to get you there? Isn’t it finally time to replace that old set of tires and get those dings taken out of your bumper? Your commute into Iowa City every day has really put a lot of wear and tear on your car. A personal loan could be just the thing you need to get it fixed up and ready for the open road.

Perhaps you’ve decided it’s time to freshen up the look of your home in Independence? Or go all out on the Christmas decorations in the front yard of your Ames townhouse? Marshalltown is a great place to live, but maybe you’re ready to move closer to your grandkids in Mt. Pleasant. A personal loan can help you get there. Have you thought about getting Lasik surgery in Mason City? Or even just a hip new pair of glasses to go with the fancy suit you’ve got to buy for your new job in Le Mars?

Whatever it is you are working toward or hoping for, we can help. We Give Loans has access to 12,778 signature loan sources to help get you the cash to make it happen! Whether you need $1,000 or up to $40,000 to accomplish your goals, we have access to sources that offer a variety of personal loan options. Even if you want to go complete a few classes to qualify for a promotion or career change, or you want to fix up a bathroom in your home, take that vacation you have been dreaming about or consolidate your debt into one easy low payment, a signature loan can bridge the gap between you and your goals!

All it takes is a few moments to complete our short, simple, secure form and we can get started. We Give Loans offers a no cost, no obligation pairing process to ensure that you are paired with the right loan source to get the right loan for your needs. Since we began pairing customers with loan sources in 2006, we have helped millions get the cash they needed and fast- most approvals only take a few minutes. If approved, you could have cash in your hand in 1 to 72 business hours. Our loan sources offer flexible repayment options with repayment periods from 6 to 72 months for unsecured loans. Don’t wait any longer! Make those dreams come true today with the help of We Give Loans!


Iowa Personal Lenders (IA) by City

Iowa Debt Relief, Financial Counseling, and Consumer Credit Information

If you would like to look into the possible benefits of these services, National Debt Relief - Whom Offers a Free Savings Estimate is a leading provider of financial counseling services in Iowa.