IA · LOAN-AGMT · Updated July 2026 · Free
Iowa Loan Agreement
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Iowa at a glance: Usury Cap (Personal): Floating limit based on state banking index · Governing Law: Iowa Code Chapter 535
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Overview
Loan Agreements in Iowa
Iowa caps interest rates on personal loans at 5 percentage points above the monthly usury rate published by the superintendent of banking (Iowa Code § 535.2).
Key Facts
Iowa Loan Agreement — Quick Reference
| Requirement | Iowa Rule |
|---|---|
| Usury Cap (Personal) | Floating limit based on state banking index |
| Governing Law | Iowa Code Chapter 535 |
Legal Requirements
Iowa Legal Requirements
- Interest rates must stay within the state's monthly usury index.
Governing Laws
Iowa Governing Laws
Read the full text of these laws at Cornell Law School's Iowa legal resources or your state legislature's official website.
Questions & Answers
Iowa Loan Agreement — Frequently Asked Questions
Are B2B loans exempt from usury in Iowa?
Yes, business loans are exempt from standard usury limits.