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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Title Loans Union Editorial Team
Consumer Finance & State Regulations Research
Our editorial team monitors state statutes, interest rate ceilings, and car title loan regulations across all 50 states. We analyze legal statutes, state regulatory filings, and consumer protection policies to provide clear, unbiased analysis of borrowing requirements and costs.
*Last reviewed: June 2026. Always verify with your state's financial regulatory body before applying. Laws change frequently.
Quick Info Card
Max Loan Amount
N/A
Max APR / Rate
N/A
Loan Term Range
Varies
Governing Body
Iowa Division of Banking