Council Bluffs, IA · Midwest · Allowed
Payday loans in Council Bluffs
Council Bluffs is governed by Iowa's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Iowa. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Council Bluffs
62,524 residents · Pottawattamie County Median household income is $45,551 — below the Iowa median of $55,032.
2 storefront locations of 2 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Advance America Check Cashing/Pay-day Loans | 3134 Manawa Centre Dr, 51501 | (712) 366-0744 | Mon 10:00 AM - 5:00 PM · hours vary |
| EZ Money Check Cashing Notaries, Installment Loans, Check Cashing/Pay-day Loans | 2411 S 24th St Ste 4, 51501 | (712) 256-7800 | Mon 10:00 AM - 6:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Iowa page before visiting. Spot an error? Report it.
The online route in Council Bluffs
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Iowa follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Iowa regulator.
The rules behind the numbers
Delayed deposit transactions are short-term loans designed to address emergency financial needs and should not be used as long-term options.
In practice: borrow $300 for a standard term and the finance charge is $35 — $335 repaid at the end, about 304% APR. Every compliant lender in Council Bluffs has to fit inside that schedule.
Statute: Iowa Code Ch. 533D
Regulator: Iowa Division of Banking · www.idob.state.ia.us
Questions people ask in Council Bluffs
Are payday loans legal in Council Bluffs, IA?
Yes. Storefront payday lending is permitted across Iowa, and Council Bluffs runs under the same state rules: maximum loan $500, fees capped at $15 on first $100, plus $10 per additional $100. A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Council Bluffs?
The same as anywhere in Iowa: state law sets the schedule. On a typical $300 loan the finance charge is about $35 — $335 repaid at the end of the standard term.
Which lenders have stores in Council Bluffs?
2 storefronts are listed in Council Bluffs in our 2022-02-20 directory snapshot (2 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Council Bluffs?
Complaints about a lender go to the Iowa Division of Banking (www.idob.state.ia.us) — keep the loan agreement and every fee disclosure you were given.