- Payday loans in Avoca follow Iowa law (Iowa delayed deposit services law (Iowa Code ch. 533D)).
- Borrowing $300 at the state maximum costs $35 on a $300 check.
- The nearest larger city is Council Bluffs, about 32 miles away.
Avoca at a glance
| Avoca | |
|---|---|
| Population (2024 Census estimate) | 1,685 |
| Change since 2020 | -0.1% (holding steady) |
| County | Pottawattamie County |
| Size rank among 609 Iowa places we cover | 189th |
| Nearest larger city | Council Bluffs (about 32 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in Pottawattamie County | 1 |
| Other towns within 25 miles | 20 (about 23,550 residents) |
| Typical payday APR statewide (CRL 2023) | 247% |
There is no separate Avoca payday law: Iowa rules apply here, and any lender serving Avoca residents, online or in person, needs a license from the Iowa Division of Banking.
Credit unions near Avoca
No credit union has its main office in Avoca, but these are based elsewhere in Pottawattamie County (NCUA, June 2026):
- North Western Employees Credit Union in Council Bluffs (state charter)
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
Payday loan rules that apply in Avoca
In short, Iowa rules that cover Avoca include: maximum: checks totaling $500 or less, including fees; maximum fee: $15 on the first $100, $10 on each additional $100; loan term: up to 31 days. See the full Iowa payday loan rules.
What a $300 loan costs in Avoca
The Center for Responsible Lending put the typical APR on a $400 payday loan in Iowa at 247% (June 2023). For $300 at the state maximum, expect $35 on a $300 check. Check any offer with our payday loan calculator.
Other help in Pottawattamie County before you borrow
Before a payday loan, Avoca residents can usually find something cheaper:
- Local assistance through 211 covering Pottawattamie County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near Avoca
The nearest larger city is Council Bluffs, about 32 miles away. See all 609 Iowa cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in Avoca?
Yes. Payday loans are legal in Avoca under Iowa state law, and lenders must be licensed by the Iowa Division of Banking.
How much does a payday loan cost in Avoca?
At Iowa’s maximum fee, borrowing $300 costs $35 on a $300 check. The typical statewide APR was 247% in 2023.
Where is the nearest credit union to Avoca?
No credit union is headquartered in Avoca, but North Western Employees Credit Union is based in Council Bluffs, also in Pottawattamie County.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Iowa Division of Banking — Delayed deposit services history
- Iowa Administrative Code ch. 17 — Delayed deposit services
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary