Car Loans in Iowa

Rejoice! You Can Apply For a Car Loan in Iowa!

What a difference having your own car makes. Whether you’re used to visiting friends in Des Moines or family in Cedar Rapids, getting about the Hawkeye State is so easy with a reliable set of wheels.

And shopping for car loans doesn’t have to be a long, tortuous journey; it’s all about working with the right company. Online lender RoadLoans accepts applications for car loans in Iowa from people with all types of credit. Even if you have bad credit,* you can apply for a loan, or refinancing, with us.

Our process is fast and easy. How does completing a loan application in a few minutes and getting an answer in seconds sound? If you’re approved for a car loan in Iowa with RoadLoans, you’ll have 30 days to shop for a vehicle. On the other hand, you might prefer to shop the very same day.

The RoadLoans experience doesn’t stop at financing. We’ll give you information on local, approved dealers with cars that are right for you. How does that work? We have relationships with a network of dealers that are able to show you select vehicles meeting our standards for age, mileage and financing, to make things plain sailing.

If you’re applying to refinance a vehicle in Iowa, to seek terms more to your liking, there may be options available to get cash back, a lower rate, or to pay less every month.† Learn more here. That’s a deal anybody can appreciate.

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All Credit Types Can Apply

A person’s credit score doesn’t generally stay the same over time – life changes and often their credit rating changes with it. The same can be said of interest rates; the cost of borrowing goes up and down over a period of time, and it may also vary from place to place, even within a single state. With this in mind, shopping around for car loans could give you an idea of the type of terms that may be available to you, in your corner of Iowa.

Also remember that RoadLoans will accept applications from consumers with all types of credit, and we’re able to offer approved applicants competitive car loan rates for their situations. We’re happy to give them a free copy of their credit report upon request, too. In addition, we don’t charge prepayment fees so, when it comes to paying off a car, it can be done as quickly as the customer wishes.

Car loans in Iowa don’t have to be a big hassle. It’s nice to know that when it’s time to buy or refinance a vehicle, you can apply with a trusted lender like RoadLoans, the direct-lending division of Santander Consumer USA.

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* “Bad” or “poor” credit generally is considered a FICO score around 600 and below by sources including the Consumer Federation of America and National Credit Reporting Association (reported by the Associated Press),,, Investopedia, and others. The Congressional Budget Office identifies a FICO score of 620 as the “cutoff” for prime loans. FICO scores are not the sole factor in lending decisions by and Santander Consumer USA.

† States eligible for cash-back include: AL, AZ, CA, CO, DE, FL, GA, ID, IL, IN, IA, LA, ME, MD, MI, MN, MO, MT, NY, OH, OK, OR, RI, SC, SD, TN, TX, UT, VT, WA, WV, WI, WY.