Grace Enfield, Content Writer
@grace_enfield
The best emergency loans in Iowa are from LightStream. LightStream offers loans of $5,000 - $100,000, funding in 1 - 2 business days, APRs of 7.99% - 25.99% and repayment periods of 24 - 84 months.
LightStream is a national lender that operates in Iowa. If you’re looking for a local lender that’s based in Iowa, you may want to consider LendingPoint.
Best Emergency Loans in Iowa
| Lender | Funding Timeline | Loan Range | APR | Repayment Period |
| 1 - 2 business days | $5,000 - $100,000 | 7.99% - 25.99% | 24 - 84 months | |
| 1 business day | $2,000 - $36,500 | 7.99% - 35.99% | 24 - 72 months | |
| 2 - 4 business days | $3,000 - $100,000 | 7.49% - 23.74% | 12 - 84 months | |
| 2 business days | $1,000 - $50,000 | 8.49% - 35.99% | 24-84 months | |
| Within 2 business days | $5,000 - $50,000 | 6.79% - 21.99% | 36-72 months |
To qualify for an emergency loan from a bank, credit union or online lender, you’ll need to be at least 18 years old, have a valid bank account and have enough income to make monthly payments. Just remember that simply meeting the requirements for an emergency loan does not guarantee approval.
It’s also worth pointing out that the Iowa state government offers other emergency loan programs. Below are a few examples of the available programs.
Emergency Loans from Iowa Government
- Disaster Assistance Programs
- COVID-19 FUNDING PROGRAMS
- ICUF Emergency Relief Fund
- Iowa Emergency Homeowners Loan Program
Finally, payday loans may be advertised as emergency loans by companies in Iowa. These loans are not worth it because they’re incredibly expensive and they require repayment very quickly.
To see more of WalletHub’s top-ranked offers, check out our editors’ picks for the best emergency loans nationally.
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