- Payday loans in Cascade 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 Dubuque, about 20 miles away.
Cascade at a glance
| Cascade | |
|---|---|
| Population (2024 Census estimate) | 2,396 |
| Change since 2020 | +0.2% (holding steady) |
| Counties | Dubuque County and Jones County |
| Size rank among 609 Iowa places we cover | 145th |
| Nearest larger city | Dubuque (about 20 miles) |
| Credit unions headquartered in town (NCUA) | None |
| Credit unions headquartered in these counties | 5 |
| Other towns within 25 miles | 21 (about 97,189 residents) |
| Typical payday APR statewide (CRL 2023) | 247% |
There is no separate Cascade payday law: Iowa rules apply here, and any lender serving Cascade residents, online or in person, needs a license from the Iowa Division of Banking.
Credit unions near Cascade
No credit union has its main office in Cascade, but these are based elsewhere in Dubuque County (NCUA, June 2026):
- Dupaco Community Credit Union in Dubuque (state charter)
- Dutrac Community Credit Union in Dubuque (state charter)
- Aim Credit Union in Dubuque (state charter)
- Dubuque Postal Employees Credit Union in Dubuque (state charter)
- Holy Ghost Parish Credit Union in Dubuque (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.
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Payday loan rules that apply in Cascade
In short, Iowa rules that cover Cascade 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 Cascade
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 Dubuque County before you borrow
Before a payday loan, Cascade residents can usually find something cheaper:
- Local assistance through 211 covering Dubuque 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 Cascade
The nearest larger city is Dubuque, about 20 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 Cascade?
Yes. Payday loans are legal in Cascade under Iowa state law, and lenders must be licensed by the Iowa Division of Banking.
How much does a payday loan cost in Cascade?
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 Cascade?
No credit union is headquartered in Cascade, but Dupaco Community Credit Union is based in Dubuque, also in Dubuque 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