Our 5 Star Payday Loans store at 1600 S Union St #1 in Des Moines, Iowa offers payday loans and cash advances for qualifying applicants. You can start your application online and pick up the cash in store if approved. All lending at this location complies with Iowa Code Chapter 533D.
Services at Our Des Moines Location
Payday Loans ($100 to $1,000)
Short-term funding based on your income. Apply online and pick up the cash in store if approved.
Cash Advances
Short-term funds that can help cover emergency expenses, bills, car repairs, or other costs between pay periods.
Bad Credit Loans
Approval decisions focus on your income and ability to repay, not only your credit score. Past credit issues do not always block you from getting help.
Know Before You Borrow in Iowa
Fee capped against the FACE of the check: $15 on the first $100, $10 per additional $100 (~460% APR on a 14-day $100 check)
Max APR / Fee
$500
Max Loan Amount
Varies
Max Term
Required
Lender License
Governing law: Iowa Code Chapter 533D
For complete Iowa payday loan rules: Iowa Payday Loan Guide →
Loan Cost Examples for Iowa (Applies at This Des Moines Location)
| Cash You Receive | Term | APR (est.) | Fee / Interest | Total Due |
|---|---|---|---|---|
| $85 | 14 days | 460.08% | $15 | $100 |
| $265 | 14 days | 344.34% | $35 | $300 |
Iowa caps the fee by reference to the FACE amount of the check you write, not the cash you receive: $15 on the first $100 of face value and $10 on each further $100, pro rata for part of a $100 (Iowa Code § 533D.9). Because the fee comes out of the face amount, you receive less than the number on the check – a $100 check yields $85 in cash for a $15 fee, which is about 460% APR over 14 days. The examples below therefore show the face amount as the total repayable and the cash advanced as the loan amount. The lender must disclose the fee and the annual percentage rate, computed under the federal Truth in Lending Act, at the time of the transaction. Source: Iowa Code § 533D.9, 2025 edition, as published by Justia. Last checked 6 August 2026.
Common Questions About Our Des Moines Location
Look for our store on 1600 S Union St #1, in the same area as Iowa State Capitol, Greater Des Moines Botanical Garden, and Salisbury House & Gardens. Once you are on the street, the location is easy to spot. If you prefer, you can begin your application online before you visit.
The area near 1600 S Union St #1 feels like a regular Des Moines neighborhood. Familiar places nearby include Des Moines International Airport, Court Avenue Restaurant & Brewing Company, and Holiday Inn Des Moines-Airport/Conf Center by IHG. If you need emergency cash, you can start your application online and walk in to finalize.
More Resources
Explore 5 Star Payday Loans in Des Moines and across Iowa: All Locations • Iowa Payday Loan Guide • Payday Loans • Cash Advance Loans • Bad Credit Loans • Same Day Loans.
