Can I actually get a payday loan in Des Moines, IA? |

Compare your loan options in Des Moines, Iowa

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Learn how Iowa regulates short-term loans before you visit a lender.

When you’re ready to borrow, you should know how payday loans work in Des Moines. Iowa regulations play a big role, so carefully consider your options before signing on with a lender.

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  • Minimum loan amount: $500
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  • Must have direct deposit and meet minimum income requirements
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Can I get a payday loan in Des Moines, Iowa?

Yes, payday loans in Des Moines are legal. All payday lenders in this city have to abide Iowa Code Chapter 533D, called the Delayed Deposit Services Licensing Act. This act applies to payday lenders located in the state as well as online lenders that serve borrowers in Des Moines — but only lenders that operate out of Iowa can provide loans to residents.

Iowa limits the amount a borrow can borrow to $500 and the maximum term length to 31 days. A lender may only charge a financing fee of $15 for the first $100 borrowed and $10 for every additional $100.

This helps prevent high interest rates from piling up, but it can make it more difficult to repay your loan, especially if you borrow a large amount or have a term of only a handful of days. Other short-term loans, like installment loans, often have longer terms — but the specific regulations might vary from those set for payday loans.

Consider these lenders for a short-term loan in Des Moines

Rates last updated February 21st, 2019
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Max. Loan Amount Turnaround Time Requirements
Slam Dunk Loans
Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.
As soon as next business day
Must be employed, receive regular income, earn at least $800 a month, have a checking account, be 18+ yrs old and a US citizen.
LendYou Short-term Loans
Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
CashUSA Installment Loans
A connection service for quick cash loans up to $10,000.
As early as 1 business day
Must have a monthly income of $1,000+ after taxes and valid checking account.
Fast5kLoans Short-term Loans Connection Service
Submit your info once to see if you qualify for a loan from a range of lenders offering high loan amounts and flexible terms.
As soon as the next business day
Have a regular source of income, have a verifiable bank account, be a US citizen, ages 18+.
TriangleCash Payday Loans
If you have bad credit or no credit history, apply to be connected to a network of lenders for funding at rates that vary by state.
As soon as next business day
You must be a US citizen, at least 18 years old, and have a valid bank account. Payday Loans
Whether for emergencies or unexpected expenses, this provider may be able to connect you among its nationwide network of lenders.
1–2 business days
You must be at least 18 years old with take-home monthly income of at least $1,000 after taxes.

Compare up to 4 providers

What do I need to apply?

Applying for a short-term loan is relatively simple, but you’ll need to meet a few basic criteria to be eligible:

  • You must be employed or have a steady source of income
  • You must be a US citizen or permanent resident
  • You must be at least 18 years old

Beyond eligibility, you’ll also have to provide some personal information to complete an application.

  • Your name, home address, email address and phone number
  • Your date of birth, Social Security number and a state-issued ID
  • Your employer’s name, address and phone number
  • Your income, pay frequency and bank account details

Where to find short-term loan locations in Des Moines

Short-term loan locations near me in Des Moines, IA

If you need money in a hurry, an easy to get it is by visiting a short term lender’s store. In Des Moines, some of your options include:

  • Advance America. 2480 E Euclid Ave, Des Moines, IA 50317
  • Cash is King. 305 Grand Ave, West Des Moines, IA 50265
  • Check ‘n Go.3424 Merle Hay Rd, Des Moines, IA 50310
  • Check into Cash. 200 Army Post Rd #50, Des Moines, IA 50315
  • EZ Money Check Cashing. 904 Army Post Rd, Des Moines, IA 50315
  • Globe Acceptance. 1001 Grand Ave, West Des Moines, IA 50265
  • Globe Loan Company. 3410 Merle Hay Rd, Des Moines, IA 50310
  • Hometown Cash Advance. 1335 E University Ave, Des Moines, IA 50316
  • Mister Money USA. 3820 E 14th St, Des Moines, IA 50313
  • Payday Express Iowa. 3947 E 14th St, Des Moines, IA 50313

Be cautious of short loan terms

Although a term of only 31 days can prevent interest from piling up, like with installment loans and personal loans, it also means you won’t have much time to repay your lender. A $500 loan could end up costing $555 and may be due as soon as your next payday. If you aren’t sure you’ll be able to make your payment on time, consider your payday loan alternatives before borrowing.

What are my other short-term loan options?

Payday loans aren’t your only option when it comes to short-term borrowing in Des Moines, but it is the most heavily regulated. Installment loans don’t have as much borrower protection, so consider your options and make sure your lender is legit before signing a loan contract.

  • Installment loans. Installment loans work similarly to payday loans, but you’ll have more time to pay back what you borrow. This can be helpful, especially considering Iowa’s strict loan terms, but often means you pay more in interest.
  • Auto title loans. Auto title loans have been banned in the state of Iowa due to the high interest rates and extreme risk caused to many borrowers — if you can’t afford a payment, your car could be repossessed. Because of this, you won’t be able to borrow a title loan in Des Moines.

Bottom line

Qualifying for a payday loan in Des Moines isn’t difficult, but you’ll still want to make sure your lender abides by Iowa regulations. The limited loan amount and term can help prevent fees from stacking up, but you’ll have less time to pay back you loan — and financing fees are still quite high.

Still, you should compare your payday loan options to be sure you’re finding a lender that’s offering a good deal.

Frequently asked questions

Where else are payday loans available?

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CashNetUSA Loan

Apply for a short-term loan with an easy online application and dedicated customer service.

Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.

LendYou Short-term Loans

Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

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