Car Title Loans in Iowa2026 Guide
Iowa does not allow high-interest title loans.
Legal Status & Regulations
Governing Law
Iowa Code § 537.1101
Last Reviewed: April 2026
Law Summary
Iowa prohibits high-interest title lending through the Iowa Consumer Credit Code (Iowa Code § 537). The state mandates strict interest rate caps on all consumer loans, which makes the high-APR title loan model unfeasible for lenders. Any loan secured by a vehicle title must comply with these low-rate caps, protecting Iowa residents from predatory debt cycles and high-cost credit.
Real Rate Example in Iowa
A $1,500 loan in Iowa at a typical market rate of APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
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Max Loan Amount
N/A
Max APR / Rate
N/A
Loan Term Range
Varies
Governing Body
Iowa Division of Banking