Payday loans in Clive, IA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Clive, IA.
The median household in Clive earns $132,121 a year, 76% above the Iowa median of $75,059. About 7% of residents live below the federal poverty line, and 24.6% of households rent their home. When an unexpected bill hits before payday, Clive residents can request $100 to $1,000 online in minutes.
Iowa law that applies in Clive
| Maximum loan | A lender may not hold checks from you totaling more than $500 at any one time. |
|---|---|
| Fee cap | $15 on the first $100 of the check and no more than $10 on each additional $100 (pro rata for part of $100). |
| Rollovers | Not allowed. |
| Loans at once | No more than 2 of your checks held by one lender (including related businesses) at a time, totaling no more than $500. |
Full rules with statute citations: Payday Loans in Iowa. Cities in Iowa cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Clive
Lenders that serve Clive typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Clive
What Clive borrowers use it for
cover a short gap before payday
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Loans for your situation
How to get a payday loan in Clive
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve Iowa.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
Iowa does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in Clive
13 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Interstate Bank | 2 | 10101 University Ave, Clive 50325 |
| Wells Fargo Bank, National Association | 2 | 9801 University Ave, Clive 50325 |
| Peoples Bank | 1 | 12701 University Ave, Clive 50325 |
| Bankers Trust Company | 1 | 11111 University Ave, Clive 50325 |
| BMO Bank National Association | 1 | 1070 73rd St, Clive 50324 |
| Great Southern Bank | 1 | 12257 University Ave, Clive 50325 |
| VISIONBANK OF IOWA | 1 | 12901 University Ave, Clive 50325 |
| Lincoln Savings Bank | 1 | 13523 University Ave, Clive 50325 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Clive
5 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Greenstate | 12333 University Ave, Clive 50325 |
| Community Choice | 1351 Nw 114Th St, Clive 50325 |
| Wolf Point | 13300 Hickman Rd Ste 100, Clive 50325 |
| Fort Peck Community | 13300 Hickman Rd, Clive 50325 |
| Lamoure | 13300 Hickman Rd, Clive 50325 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Polk County · Dallas County · Personal Loans in Clive
Frequently asked questions
Can I get a payday loan in Clive, IA?
Payday loans (delayed deposit services) are legal in Iowa from businesses licensed by the Division of Banking under the Delayed Deposit Services Licensing Act, Iowa Code chapter 533D. You can request one online from Clive through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Clive?
A lender may not hold checks from you totaling more than $500 at any one time.
How fast can I get a payday loan in Clive?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
How much does a payday loan cost in Clive?
$15 on the first $100 of the check and no more than $10 on each additional $100 (pro rata for part of $100). Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Clive borrowers in about 3 minutes.
Do payday loans show up on your credit report?
Many payday lenders do not report regular, on-time payments to the three major credit bureaus, so the loan often doesn't appear on a standard credit report. Some lenders and specialty bureaus do track short-term loans, and an unpaid balance sent to collections can be reported. Your lender explains its reporting policy in the loan agreement. Ready to compare offers in Clive? Our form takes about 3 minutes.
Is a payday loan installment or revolving credit?
A traditional payday loan is neither. It's a single-payment loan: you borrow a set amount and repay it, plus the fee, in one payment on your due date. An installment loan spreads repayment over several scheduled payments, and revolving credit, like a credit card, lets you borrow repeatedly up to a limit. Depending on Iowa rules, lenders may offer payday or installment options. Compare them in about 3 minutes.
What is a payday advance loan?
A payday advance loan is another name for a payday loan: a short-term advance on your next paycheck. You borrow a small amount and repay it, plus a fee, when you're next paid. The process is quick because lenders look mainly at your income and checking account. Clive residents can request a payday advance online through our network in about 3 minutes.
What is a payday loan in Clive?
A payday loan is a small, short-term loan, usually a few hundred dollars, that you repay in one payment on or around your next payday. Borrowers in Clive can request one online from home instead of visiting a storefront. Through our free form you can be matched with lenders in our network, with amounts depending on the lender and Iowa rules. See if you qualify in about 3 minutes.
Do I need to visit a store in Clive?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.