Loans in Bremer County, IA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Bremer County, IA.
The median household in Bremer County earns $86,784 a year, 16% above the Iowa median of $75,059. About 7% of residents live below the federal poverty line, and 20.3% of households rent their home.
What you need for a payday loan in Bremer County
Most Bremer County applicants can finish in one sitting if they have these ready:
- 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 Bremer County
What Bremer County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Loans for your situation
Which loans are available in Bremer 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 Bremer County
Banks with branches in Bremer County
15 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Bank | 4 | 316 E Bremer Ave, Waverly 50677 |
| Readlyn Savings Bank | 2 | 312 S Main St, Tripoli 50676 |
| Denver Savings Bank | 2 | 121 S State St, Denver 50622 |
| Fidelity Bank & Trust | 2 | 204 Wildcat Way, Janesville 50647 |
| Northeast Security Bank | 1 | 1150 W 1st St, Sumner 50674 |
| Security State Bank | 1 | 103 3rd St, Frederika 50631 |
| Farmers State Bank | 1 | 2101 4th St Sw, Waverly 50677 |
| Flanagan State Bank | 1 | 203 Crestwood Ave, Bremer 50677 |
| CUSB Bank | 1 | 933 16th St Sw, Waverly 50677 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Bremer County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Veridian | 315 Oak Ridge Cir, Waverly 50677 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Bremer County
Frequently asked questions
Are payday loans legal in Bremer County?
Bremer 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 Bremer 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 Bremer County?
Options include 15 bank and 1 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 Bremer County?
Fill out our short online form from anywhere in Bremer 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 Bremer 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. Bremer County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Bremer County, IA?
You can apply at banks, credit unions and lenders in Bremer 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 Bremer County with bad credit?
Yes, many lenders in our network work with Bremer 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.
Can I apply for a loan online in Bremer County?
Yes. You don't need to visit a branch or storefront anywhere in Bremer County. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Iowa. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.