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Iowa (IA) lender directory

Installment Loans & Pawn Shops in Iowa

Looking for a lender near you in Iowa? Pick your city below. We list 24 stores in 16 Iowa cities, built from lenders' own store pages. Data last checked October 9, 2026.

Lenders by city

Lending rules in Iowa

Payday loans (deferred presentment)

  • A person may not run a delayed deposit services (payday) business in Iowa unless it is physically located in the state and licensed by the Superintendent of Banking. Source: Iowa Code § 533D.3(1) · verified Oct 9, 2026
  • A licensee may charge at most $15 on the first $100 of the check's face amount and at most $10 on each later $100 (prorated for part of $100). Source: Iowa Code § 533D.9(1) · verified Oct 9, 2026
  • A licensee may not hold more than two checks from any one maker at one time. Source: Iowa Code § 533D.10(1)(a) · verified Oct 9, 2026
  • A licensee may not hold checks from one maker with an aggregate face amount of more than $500 at one time. Source: Iowa Code § 533D.10(1)(b) · verified Oct 9, 2026
  • A licensee may not hold, or agree to hold, a check for more than 31 days. Source: Iowa Code § 533D.10(1)(c) · verified Oct 9, 2026
  • A licensee may not repay, refinance or consolidate a postdated check transaction with the proceeds of another postdated check transaction from the same licensee. Source: Iowa Code § 533D.10(1)(e) · verified Oct 9, 2026

Lenders in Iowa are licensed by the Iowa Division of Banking (Iowa Department of Commerce). See also online lenders and apps in Iowa.

Questions people ask

How many installment lenders are in Iowa?

We list 13 installment lenders and 11 pawn shops in Iowa, in 16 cities.

Which Iowa cities have the most lenders?

Cedar Rapids (3), Des Moines (3), Council Bluffs (2), Davenport (2) and Mason City (2).

How much can lenders charge in Iowa?

A licensee may charge at most $15 on the first $100 of the check's face amount and at most $10 on each later $100 (prorated for part of $100) (Iowa Code § 533D.9(1)). More limits are listed under the state rules on this page.

How do I check a lender's license in Iowa?

Lenders in Iowa are licensed by the Iowa Division of Banking (Iowa Department of Commerce). Contact the regulator, or use NMLS Consumer Access for lenders licensed through NMLS.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.

  1. OneMain Financial branches (IA) · 13 locations Last verified Oct 11, 2026
  2. EZPAWN store locator (IA) · 11 locations Last verified Oct 11, 2026
  3. OpenStreetMap (Overpass API), IA · 4 locations Last verified Oct 11, 2026 © OpenStreetMap contributors, ODbL 1.0
  4. Iowa Code § 533D.3(1) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · high confidence
  5. Iowa Code § 533D.9(1) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · high confidence
  6. Iowa Code § 533D.10(1)(a), Iowa Code § 533D.10(1)(b), Iowa Code § 533D.10(1)(c), Iowa Code § 533D.10(1)(e) · Payday loans (deferred presentment) Last verified Oct 9, 2026 · high confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.