Iowa Payday Loans
- Apply online or at a nearby store
- Borrow up to $445
- Instant loan decision
- Money from a trusted direct lender
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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Online Payday Loans in Iowa
1F Cash Advance offers easy, same-day payday loans in Iowa to help you handle small emergencies fast. You can receive up to $455 with good or bad credit. Our quick online application comes with no credit check, making it possible to get instant approval decisions and receive a direct deposit within a day. Apply today and handle urgent expenses without delay.
How the Loan Process Works
1F Cash Advance can help you get the money you need in just three steps:
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Apply quickly. Use our secure online form to submit your data, or visit our store to apply in person.
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Receive a loan decision. A soft credit check takes just minutes, and you'll receive an instant approval decision.
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Get funded. Once approved, money is deposited directly into your account – often on the same day*.
*To qualify for same-day funding, finalize your loan before 10:30 am СT. Applications submitted after 10:30 am or on weekends/holidays are funded the next business day.
What Do I Need to Start My Application?
To start your application with 1F Cash Advance, you need to provide the following items:
- Valid government-issued ID
- SocialSecurity number
- Proof of steady income
- Active checking account
- Proof of Iowa residence
- Valid phone number and email address
Rates and Terms
Under Iowa law, you can borrow up to $500 with a payday loan, including fees. The repayment terms are up to 31 days. Rollovers are not allowed.
Here are illustrative examples of fee schedules for different loan amounts, based on a fourteen day advance with a single payment:
| Amount | Fee | Held Check Amount | Annual Percentage Rate |
|---|---|---|---|
| $100 | $16.67 | $116.67 | 434.61% |
| $300 | $38.89 | $338.89 | 337.97% |
| $445 | $55 | $500.00 | 322.23% |
Please note that payday loans should only be used for short-term needs. Make sure you can repay the money on time before applying.
1F Cash Advance in Iowa
Looking for quick financial help in Iowa? 1F Cash Advance is here to provide professional support.
Address: 1138 Blairs Ferry Rd NE, Cedar Rapids, IA 52402
Phone: (563) 424-7802
Email: [email protected]
Branch Manager: Eric Ross
Hours:
Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed
Residents of Des Moines, Davenport, Sioux City, Iowa City, Waterloo, and other cities can complete the entire loan application online.
Looking for a 1F Cash Advance in another state? Visit our locations page to find a store near you.
Why Choose 1F Cash Advance
Unexpected costs in Iowa don’t have to slow you down — 1F Cash Advance makes getting a payday loan fast and easy. We’re here to help you manage urgent expenses without delays or unnecessary paperwork.
Instant decision, same-day cash
Submit your application online and get money as soon as the same day.
Works for all credit types
Bad credit? No problem. We consider more than just your score.
Safe and confidential
Your data stays safe with us as it is protected by encryption systems and strict privacy standards.
FAQ
What’s the maximum amount I can borrow?
In Iowa, you can borrow up to $500, with up to $455 available after applicable fees are deducted. The exact amount you're eligible for depends on your income and credit information.
Can I still get approved if I have bad credit?
Yes. A low credit score won’t automatically disqualify you. We conduct a soft credit check and review your income, existing debts, payment history, and employment status when evaluating your loan eligibility.
Is it possible to repay my loan ahead of schedule?
Yes, you can repay your loan early at any time without penalty under Iowa law. If you took out your loan in-store, the repayment is made at the same location.
What happens if I need extra time to repay my cash loan?
Late payments result in a one-time NSF fee of $15. If you're unable to repay on time, you may be eligible for an Extended Payment Plan (EPP). To qualify, you must contact the number in your loan agreement or visit your local store at least one business day before your due date.
What’s the best way to reach Customer Support?
You can reach our support team by calling (563) 424-7802 during business hours or by emailing [email protected]. We're here to help with applications, repayments, or any questions you may have.