Loans in Dallas County, IA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Dallas County, IA.
The median household in Dallas County earns $102,379 a year, 36% above the Iowa median of $75,059. About 6% of residents live below the federal poverty line, and 31.0% of households rent their home.
What you need for a payday loan in Dallas County
Here's what to have on hand before you start your payday loan request in Dallas 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 Dallas County
What Dallas County borrowers use it for
deposits, trucks and first-week expenses
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Dallas 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 Dallas County
Banks with branches in Dallas County
43 FDIC-insured bank branches from 29 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Earlham Savings Bank | 5 | 7300 Lake Dr, West Des Moines 50266 |
| Raccoon Valley Bank | 3 | 1009 Court St, Adel 50003 |
| JPMorgan Chase Bank, National Association | 3 | 7160 University Ave, West Des Moines 50266 |
| Wells Fargo Bank, National Association | 2 | 1224 1st Ave, Perry 50220 |
| Bank Iowa | 2 | 1225 Jordan Creek Pkwy, West Des Moines 50266 |
| First Interstate Bank | 2 | 1111 141st St, Perry 50220 |
| Peoples Bank | 2 | 1185 University Ave, Waukee 50263 |
| Nicolet National Bank | 2 | 9350 University Ave, West Des Moines 50266 |
| First State Bank | 2 | 825 Marshall St, Dexter 50070 |
| Fidelity Bank | 1 | 177 S Jordan Creek Pkwy, West Des Moines 50266 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Dallas County
9 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Veridian | 5910 University Ave, West Des Moines 50266 |
| Greenstate | 390 Jordan Creek Parkway, West Des Moines 50266 |
| Dupaco Community | 1090 E. Hickman Rd, Waukee 50263 |
| Collins Community | 6260 Mills Civic Pkwy, West Des Moines 50266 |
| Community Choice | 780 W Hickman Rd, Waukee 50263 |
| Greater Iowa | 1145 Se University Ave, Waukee 50263 |
| The Family | 720 1St Ave, Perry 50220 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Dallas County
Frequently asked questions
Are payday loans legal in Dallas County?
Dallas 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 Dallas 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 Dallas County?
Options include 43 bank and 9 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 Dallas County?
Fill out our short online form from anywhere in Dallas 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 Dallas County?
Yes. When an unexpected bill comes up, Dallas 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 Dallas County?
Yes. You don't need to visit a branch or storefront anywhere in Dallas 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 a loan in Dallas County with bad credit?
Yes, many lenders in our network work with Dallas 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 Dallas County, IA?
You can apply at banks, credit unions and lenders in Dallas 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.