Best Loans in Des Moines, IA — Compare All Types (2026)
Looking for the best loan rates in Des Moines? Compare personal loans, auto loans, student loans, and mortgage refinance rates — with local lender data and IA state regulations.
Personal Loans in Des Moines
Unsecured personal loans for Des Moines residents — for debt consolidation, emergencies, home improvement, and more. No collateral required.
Auto Loans in Des Moines
New and used car loans for Des Moines drivers. Compare dealership financing vs. local credit unions before you sign anything.
Student Loans in Des Moines
Federal and private student loan options for students attending colleges and universities in Des Moines and IA.
Home Loan Refi in Des Moines
Refinance your Des Moines mortgage at today's rates. Compare 30-year, 15-year, and VA refinance options for IA homeowners.
| Credit Score | Credit Tier | Expected APR Range | Monthly Payment ($10k/36mo) |
|---|---|---|---|
| 720 – 850 | Excellent | 6.20% – 12% | ~$304 – $332 |
| 680 – 719 | Good | 12% – 18% | ~$332 – $362 |
| 640 – 679 | Fair | 18% – 24% | ~$362 – $394 |
| 580 – 639 | Poor | 24% – 30% | ~$394 – $428 |
| Below 580 | Bad Credit | 30% – 36% | ~$428 – $465 |
| Loan Type | Average Rate | Best Rate | Loan Term |
|---|---|---|---|
| New Car Loan | 6.37% | 4.66% | 48 – 72 months |
| Used Car Loan | 11.26% | 7.43% | 36 – 60 months |
| Refinance Auto Loan | 8.50% | 5.29% | 24 – 60 months |
| Private Party Auto | 12.00% | 7.66% | 36 – 60 months |
| Loan Type | Interest Rate | Who Qualifies | Annual Limit |
|---|---|---|---|
| Direct Subsidized (Federal) | 6.53% | Undergrad with need | $3,500 – $5,500 |
| Direct Unsubsidized (Federal) | 6.53% – 8.08% | All enrolled students | Up to $20,500 |
| PLUS Loan (Federal) | 9.08% | Grad students / Parents | Full cost of attendance |
| Private Student Loans | 3.99% – 15.99% | Credit-based approval | Up to full COA |
| Loan Type | Average Rate | Best Rate | Best For |
|---|---|---|---|
| 30-Year Fixed Refi | 6.73% | 6.65% | Lower monthly payments |
| 15-Year Fixed Refi | 6.09% | 5.95% | Pay off faster |
| VA 30-Year Refi | 5.48% | 5.21% | Veterans & military |
| 5/1 ARM Refi | 6.31% | 6.09% | Short-term owners |
- Loans up to $100,000
- Zero fees of any kind
- Same-day funding
- Terms up to 144 months
- Available in IA
- Loans up to $100,000
- No origination fees
- Unemployment protection
- Same-day funding
- Available in IA
- Min credit score: 300
- AI-based approval
- Fast 1-day funding
- No prepayment penalty
- Available in IA
- Local Des Moines lender
- Member-focused service
- Competitive rates
- In-person support
- Based in Des Moines
Check Your Credit Score
Pull your free credit report at annualcreditreport.com before applying. Your score determines your rate in Des Moines.
Compare Multiple Lenders
Get quotes from at least 3 lenders — including national lenders and local Des Moines credit unions.
Get Pre-Approved
Most lenders offer soft-pull prequalification that won't hurt your credit score.
Submit Application
Provide your ID, proof of income, and bank details. Most Des Moines lenders decide within 24 hours.
Receive Your Funds
Most online lenders fund Des Moines borrowers within 1–3 business days after approval.
| Regulation | Details for IA |
|---|---|
| Maximum Interest Rate | 10.60% APR maximum for personal loans |
| Loan Amount Limits | No state cap on personal loan amounts in IA |
| Licensing | All lenders must be licensed to operate in IA |
| Prepayment Penalty | Not allowed on personal loans in IA |
| Collection Rules | IA follows federal FDCPA collection guidelines |
Ready to Find Your Best Loan Rate in Des Moines?
Compare personal loans, auto loans, student loans, and mortgage refinance rates from top lenders serving Des Moines, IA — completely free.
Compare Des Moines Loan Rates →LoanWiseUSA is an independent loan comparison website serving Des Moines, IA and 500+ U.S. cities. We may receive compensation when you apply through our links — this never affects our recommendations. Rates shown are estimates based on current market data and are subject to change. Always verify current rates directly with lenders. Content is for informational purposes only and does not constitute financial advice. IA loan law information is general in nature — consult a licensed attorney for specific legal guidance.