Loans in Clayton County, IA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Clayton County, IA.
The median household in Clayton County earns $67,242 a year, 10% below the Iowa median of $75,059. About 11% of residents live below the federal poverty line, and 22.0% of households rent their home. 12.5% of households have no home internet; our form works on any phone.
What you need for a payday loan in Clayton County
Here's what to have on hand before you start your payday loan request in Clayton 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 Clayton County
What Clayton 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
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Clayton 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 Clayton County
Banks with branches in Clayton County
14 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Central State Bank | 3 | 205 Edgar St, Marquette 52158 |
| FreedomBank | 2 | 106 S Main St, Monona 52159 |
| Community Savings Bank | 2 | 103 West Clayton Street, Garnavillo 52049 |
| Peoples State Bank | 2 | 15 Goethe St, Guttenberg 52052 |
| Farmers Savings Bank | 2 | 100 Grandview Road, Elkport 52044 |
| Luana Savings Bank | 1 | 100 Harvest Dr, Luana 52156 |
| Citizens State Bank | 1 | 102 E Mission St, Strawberry Point 52076 |
| Fidelity Bank & Trust | 1 | 507 S Highway 52, Guttenberg 52052 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Clayton County. The nearest counties with credit unions:
Credit unions in Delaware County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Dupaco Community | 1200 W Main St, Manchester 52057 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Fayette County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Veridian | 1 W Charles St Ste 1, Oelwein 50662 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Clayton County?
Clayton 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 Clayton 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 Clayton County?
Options include 14 bank 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 Clayton County?
Fill out our short online form from anywhere in Clayton 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 an emergency loan in Clayton County?
Yes. When an unexpected bill comes up, Clayton 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.
Can I apply for a loan online in Clayton County?
Yes. You don't need to visit a branch or storefront anywhere in Clayton 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.
Where can I get a loan in Clayton County, IA?
You can apply at banks, credit unions and lenders in Clayton 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 Clayton County with bad credit?
Yes, many lenders in our network work with Clayton 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.