Loans in Black Hawk County, IA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Black Hawk County, IA.
The median household in Black Hawk County earns $66,417 a year, 12% below the Iowa median of $75,059. About 15% of residents live below the federal poverty line, and 33.8% of households rent their home.
What you need for a payday loan in Black Hawk County
Here's what to have on hand before you start your payday loan request in Black Hawk County:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in Black Hawk County
What Black Hawk County borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Black Hawk County
Payday Loans Legal
Payday loans (delayed deposit services) are legal in Iowa from businesses licensed by the Division of Banking under the Delayed Deposit Services Licensing Act, Iowa Code chapter…
Personal Loans
Regulated lenders: rates set by Banking Superintendent rule; 2026 rule rewrite unclear.
Title Loans Limited
Iowa caps consumer loans secured by a car title at 21% a year unless the lender is licensed under the Regulated Loan Act (chapter 536) or Industrial Loan Act (chapter 536A), and…
Banks and credit unions in Black Hawk County
Banks with branches in Black Hawk County
33 FDIC-insured bank branches from 14 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Farmers State Bank | 5 | 131 Tower Park Dr, Waterloo 50701 |
| U.S. Bank National Association | 4 | 425 Cedar St, Waterloo 50701 |
| Lincoln Savings Bank | 3 | 141 Eldora Rd, Hudson 50643 |
| Regions Bank | 3 | 4417 University Ave, Cedar Falls 50613 |
| Cedar Rapids Bank and Trust Company | 3 | 422 Commercial St, Waterloo 50701 |
| BankIowa | 3 | 6804 University Ave, Cedar Falls 50613 |
| First Security State Bank | 2 | 3600 Lafayette Rd, Evansdale 50707 |
| Wells Fargo Bank, National Association | 2 | 3065 Kimball Ave, Waterloo 50702 |
| Nicolet National Bank | 2 | 3110 Kimball Ave, Waterloo 50702 |
| First Interstate Bank | 2 | 2936 University Ave, Waterloo 50701 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Black Hawk County
29 credit-union locations from 10 credit unions.
| Credit union | Location |
|---|---|
| Veridian | 1827 Ansborough Ave, Waterloo 50701 |
| Greenstate | 3409 Cedar Heights Dr, Cedar Falls 50613 |
| Dupaco Community | 218 W Mullan Ave, Waterloo 50701 |
| Collins Community | 5908 Winterberry Dr, Cedar Falls 50613 |
| Empeople | 3500 E Donald St, Waterloo 50703 |
| Community Choice | 624 Franklin St, Waterloo 50703 |
| Cedar Falls Community | 123 W 4Th St, Cedar Falls 50613 |
| Unite | 403 Washington St, Cedar Falls 50613 |
| Allen Hospital Personnel | 1825 Logan Ave, Waterloo 50703 |
| Waterloo Firemen'S | 425 E 3Rd St, Waterloo 50703 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Black Hawk County
Frequently asked questions
Are payday loans legal in Black Hawk County?
Black Hawk County follows Iowa law. Payday loans (delayed deposit services) are legal in Iowa from businesses licensed by the Division of Banking under the Delayed Deposit Services Licensing Act, Iowa Code chapter 533D.
Are title loans legal in Black Hawk County?
Iowa caps consumer loans secured by a car title at 21% a year unless the lender is licensed under the Regulated Loan Act (chapter 536) or Industrial Loan Act (chapter 536A), and bans disguising a title loan as a sale, lease, pawn or similar deal.
Where can I get a small loan in Black Hawk County?
Options include 33 bank and 29 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Black Hawk County?
Fill out our short online form from anywhere in Black Hawk County. We share it with lenders in our network that serve Iowa; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get a loan in Black Hawk County with bad credit?
Yes, many lenders in our network work with Black Hawk County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Where can I get a loan in Black Hawk County, IA?
You can apply at banks, credit unions and lenders in Black Hawk County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Iowa residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Black Hawk County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Black Hawk County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Black Hawk County?
Yes. When an unexpected bill comes up, Black Hawk County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.