In addition to the requirements of the Iowa consumer credit code, chapter 537 , respecting consumer loans, and notwithstanding the provisions of any note or contract to the contrary, a borrower may, at any time, prepay all or any part of the unpaid balance to become payable under any note or installment contract. [C66, 71, 73, 75, 77, 79, 81, §536A.26 ] 2003 Acts, ch 44, §114