- Payday loans in Camanche follow Iowa law (Iowa delayed deposit services law (Iowa Code ch. 533D)).
- Borrowing $300 at the state maximum costs $35 on a $300 check.
- 1 credit union is headquartered in Camanche; ask about small-dollar loans before borrowing.
Camanche at a glance
| Camanche | |
|---|---|
| Population (2024 Census estimate) | 4,536 |
| Change since 2020 | -0.7% (holding steady) |
| County | Clinton County |
| Size rank among 609 Iowa places we cover | 94th |
| Nearest larger city | Bettendorf (about 19 miles) |
| Credit unions headquartered in town (NCUA) | 1 |
| Credit unions headquartered in Clinton County | 2 |
| Other towns within 25 miles | 18 (about 189,124 residents) |
| Typical payday APR statewide (CRL 2023) | 247% |
There is no separate Camanche payday law: Iowa rules apply here, and any lender serving Camanche residents, online or in person, needs a license from the Iowa Division of Banking.
Credit unions in Camanche
These credit unions have their main office in Camanche, according to NCUA call report data (June 2026):
- 1st Gateway Credit Union (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 Camanche
In short, Iowa rules that cover Camanche 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 Camanche
At Iowa’s maximum fee, borrowing $300 costs $35 on a $300 check. Statewide, the typical APR on a $400 payday loan was 247% (Center for Responsible Lending, June 2023). Check any offer with our payday loan calculator.
Other help in Clinton County before you borrow
Before a payday loan, Camanche residents can usually find something cheaper:
- Local assistance through 211 covering Clinton 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 Camanche
The nearest larger city is Bettendorf, about 19 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 Camanche?
Yes. Payday loans are legal in Camanche under Iowa state law, and lenders must be licensed by the Iowa Division of Banking.
How much does a payday loan cost in Camanche?
At Iowa’s maximum fee, borrowing $300 costs $35 on a $300 check. The typical statewide APR was 247% in 2023.
Are there credit unions in Camanche?
Yes. NCUA data lists 1 credit union with a main office in Camanche, including 1st Gateway Credit Union.
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