Loans in Carroll County, IA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Carroll County, IA.
The median household in Carroll County earns $72,930 a year, about the same as the Iowa median of $75,059. About 8% of residents live below the federal poverty line, and 22.9% of households rent their home. 11.0% of households have no home internet; our form works on any phone.
What you need for a payday loan in Carroll County
Lenders that serve Carroll County typically ask for the following:
- 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 Carroll County
What Carroll County borrowers use it for
cover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Carroll 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 Carroll County
Banks with branches in Carroll County
17 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Midwest Heritage Bank, FSB | 3 | 510 W Us Highway 30, Carroll 51401 |
| United Bank of Iowa | 3 | 609 N Clark St, Carroll 51401 |
| Commercial Savings Bank | 2 | 325 W Us Highway 30, Carroll 51401 |
| Westside State Bank | 2 | 103 N Main St, Halbur 51444 |
| Templeton Savings Bank | 2 | 223 Main St, Manning 51455 |
| Availa Bank | 2 | 126 W 6th St, Carroll 51401 |
| The First National Bank of Manning | 1 | 401 Main St, Manning 51455 |
| Breda Savings Bank | 1 | 105 Main St, Breda 51436 |
| BMO Bank National Association | 1 | 109 E 7th St, Carroll 51401 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Carroll County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Dupaco Community | 503 W Us Highway 30, Carroll 51401 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Carroll County
Frequently asked questions
Are payday loans legal in Carroll County?
Carroll 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 Carroll 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 Carroll County?
Options include 17 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 Carroll County?
Fill out our short online form from anywhere in Carroll 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 apply for a loan online in Carroll County?
Yes. You don't need to visit a branch or storefront anywhere in Carroll 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.
Can I get an emergency loan in Carroll County?
Yes. When an unexpected bill comes up, Carroll 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.
Where can I get a loan in Carroll County, IA?
You can apply at banks, credit unions and lenders in Carroll 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 Carroll 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. Carroll County residents can start any time, and it takes about 3 minutes.