Loans in Des Moines County, IA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Des Moines County, IA.
The median household in Des Moines County earns $62,928 a year, 16% below the Iowa median of $75,059. About 13% of residents live below the federal poverty line, and 25.4% of households rent their home.
What you need for a payday loan in Des Moines County
Most Des Moines 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 Des Moines County
What Des Moines County borrowers use it for
gifts and travel without maxing a card
Rent duecover a short gap before payday
Car repairskeep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Des Moines 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 Des Moines County
Banks with branches in Des Moines County
20 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Farmers & Merchants Bank & Trust | 4 | 101 Broadway St, West Burlington 52655 |
| First Mid Bank & Trust, National Association | 4 | 105 Main St, Mediapolis 52637 |
| Mediapolis Savings Bank | 3 | 605 Main St, Mediapolis 52637 |
| BANK | 2 | 1403 S. Rooselvelt, Burlington 52601 |
| Nicolet National Bank | 1 | 3225 Division St, Burlington 52601 |
| Danville State Savings Bank | 1 | 109 N Main St, Danville 52623 |
| U.S. Bank National Association | 1 | 808 S Roosevelt Ave, Burlington 52601 |
| First Interstate Bank | 1 | 1010 N Roosevelt Ave, Burlington 52601 |
| Farmers Savings Bank | 1 | 3131 Sunnyside Ave, Burlington 52601 |
| Connection Bank | 1 | 115 Legacy Dr, Burlington 52601 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Des Moines County
4 credit-union locations from 4 credit unions.
| Credit union | Location |
|---|---|
| Aim | 337 N Roosevelt Ave, Burlington 52601 |
| 5 Star Community | 801 W Burlington Ave, West Burlington 52655 |
| Casebine Community | 485 W Burlington Ave, Burlington 52601 |
| Burlington Municipal Employees | 418 Valley St, Burlington 52601 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Des Moines County
Frequently asked questions
Are payday loans legal in Des Moines County?
Des Moines 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 Des Moines 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 Des Moines County?
Options include 20 bank and 4 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 Des Moines County?
Fill out our short online form from anywhere in Des Moines 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 Des Moines County?
Yes. When an unexpected bill comes up, Des Moines 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 Des Moines County?
Yes. You don't need to visit a branch or storefront anywhere in Des Moines 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 Des Moines County with bad credit?
Yes, many lenders in our network work with Des Moines 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 get a loan in Des Moines 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. Des Moines County residents can start any time, and it takes about 3 minutes.