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Payday Loans in Iowa, Des Moines & Cedar Rapids - Apply Online Today!

Finger Finance offers payday loans in Iowa that can be funded within 1 to 24 hours. So, If you are looking to borrow $300, $400 or $500 for an emergency expense, we can offer a fast and effective fully online process. Start by entering your details online and we will give you an instant decision on the screen. We work with more than 50 lenders across the US and have options for bad credit and no credit checks too.

Repayment Example:
Borrow $400 over 3 months, at 400% APR, 3 repayments of $230.63, total repayable $691.89

Why Use Finger Finance For Payday Loans in Iowa?

  • Get the money in one lump sum on the day you apply
  • 100% online process
  • Borrow $100 – $35,000
  • Repay over 5 years
  • Enquiring is free and does not affect your credit score
  • Get an instant decision online
  • Repay early anytime to save money

Whether you are in Des Moines, Iowa City or Cedar Rapids, Finger Finance can offer a fast way to get money at your fingertips. We are proud to offer a fully online process with no fees for applying and checking your eligibility. You can start by filling in your details, which will only take 5 minutes, including how much you wish to borrow ($100 to $35,000) and how long for (1 month to 5 years).

We will connect your loan request with the best loans companies in Iowa for you, including those offering payday loans, personal loans, title, installment, secured, banks, credit cards, credit unions and more. We aim to match you with the most competitive pricing and the lender who is most likely to approve you. Once the final checks have been completed, you can typically receive your loan in 1 to 24 hours.

Finger Finance does not charge any fees for using its service, since we only take a fee from the lender if your application is successful. Working with more than 50 lenders across the US, we have helped more than 3 million customers to date and have a number of options for people with bad credit scores and those looking for loans with no credit checks.

How Much Does a Payday Loan in Iowa Cost?*

Borrow $300 over 3 months, at 400% APR, 3 equal repayments of $218.91, total repayable $518.91

Borrow $400 over 3 months, at 400% APR, 3 equal repayments of $230.63, total repayable $691.89

Borrow $500 over 3 months, at 400% APR, 3 equal repayments of $288.29, total repayable $864.87

*Rates charged will vary on factors such as income, affordability, credit utilization ratio and credit score

Everything you Need to Know About Payday Loans in Iowa

How Much Can I Borrow and For How Long?

With Finger Finance you can borrow between $100 and $35,000. Depending on how much time you need the loan for, you can repay the money over 2 weeks or for up to 5 years. Finger Finance always gives you the option to repay early to save money on the interest on your loan. When you repay a payday loan you’ll be repaying in equal monthly instalments, until the loan is paid off.

How Do Repayments Work?

How your repayments work will depend on how long you need to borrow with your payday loan. If you’re taking out a short-term loan, something between 2 and 4 weeks, you will repay your loan in one final repayment at the end of the loan. If you’ve chosen a longer-term loan, which we offer up to 5 years, then you will repay your loan in equal instalments every month. With Finger Finance you can also repay early at anytime to save money on the interest on your loan. See installment loans online for more information.

How Quickly Can I Receive Funds?

With Finger Finance a payday loan is at your fingertips and they’re quick and easy. Using Finger Finance means the money will be in account the same day that you are approved for it. Not only will your money be with you within the day, but we pay your money into your account in one lump sum.

What Happens if I Cannot Repay?

If you don’t repay your payday loan this will affect your credit score and mean that in the future it could be more difficult to borrow money online. If your loan starts to drag on your debt is likely to get out of control, so it is always essential to have a clear plan of how you will repay the loan. When you can’t repay your loan interest rates can increase and the lender will continue to attempt to get the money you owe, be that from your account or with the help of bailiffs.

Am I Eligible for a Payday Loan in Iowa?

There are just a few things you need to be eligible for a payday loan. To be eligible for a loan from Finger Finance you must:

  • Be at least 18 years of age or older
  • Be a U.S. resident
  • Have a checking account
  • Have a consistent income and be earning at least $800 per month

Can I Apply For a Payday Loan in Iowa With Bad Credit?

Yes, very much so, we have a number of options for people looking for bad credit payday loans in Iowa. Our lenders have designed their business models to accommodate people with less than perfect credit scores and they are expecting the occasional missed payment.

The companies we work with understand that emergencies come up and that keeping a perfect score is not always realistic. However, if you have a commitment to repaying your loan on time and have a stable income and employment and your recent history shows sign of improvement, you can certainly borrow the funds you need.

Are There Payday Loan in Iowa With No Credit Checks?

Yes, whilst most lenders will run a simple credit check to verify your eligibility for a payday or personal loan, there are some no credit check options available, which may appeal to people with poor credit ratings.

Such products may require you to use collateral such as your car (known as a title loan) or using a co-signer to add extra security to your loan agreement.

You will still need to have a stable income and job in order to service your loan and to be eligible.

Where Can I Get a Payday Loan in Iowa?

Finger Finance offers a fully online experience, so that means we can offer loans across Iowa and across the U.S. Your location doesn’t need to be a barrier to you getting the financial support you need.

Get in contact with Finger Finance today and you could receive your funds today. Getting a payday loan has never been more convenient.

Locations include:

  • Ames
  • Ankeny
  • Bettendorf
  • Cedar Falls
  • Cedar Rapids
  • Council Bluffs
  • Davenport
  • Des Moines
  • Dubuque
  • Iowa City
  • Marion
  • Sioux City
  • Urbandale
  • Waterloo
  • West Des Moines

What Information Is Required For Iowa Payday Loans?

Key information will be required. This will include your:

  • Name
  • Postal address
  • Date of birth
  • Contact number
  • State ID or Driver’s Licence
  • Live checking account details


Is Finger Finance A Direct Lender?

No, Finger Finance is not a direct lender. We offer a loans connection service so that we can find competitive loan offers for our customers.

What Is The Maximum Loan Amount In Iowa?

You can borrow up to $500 in Iowa. This is the maximum amount allowed due to payday loan state regulations.

What Is The Maximum Loan Term In Iowa?

According to state regulations, you can borrow money in Iowa for up to 31 days. There is no minimum loan term. (Source:

Is There A Payday Loan Cap In Iowa?

Yes, Iowa has a maximum interest rate of 433%. As well as this, borrowers cannot take out more than 2 payday loans at one time. (Source: