Loans in Dubuque County, IA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Dubuque County, IA.
The median household in Dubuque County earns $77,630 a year, about the same as the Iowa median of $75,059. About 10% of residents live below the federal poverty line, and 26.7% of households rent their home.
What you need for a payday loan in Dubuque County
Most Dubuque 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 Dubuque County
What Dubuque County borrowers use it for
gifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Dubuque 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 Dubuque County
Banks with branches in Dubuque County
33 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Fidelity Bank & Trust | 8 | 4250 Asbury Rd, Dubuque 52002 |
| UMB Bank, National Association | 7 | 309 1st St S, Farley 52046 |
| Nicolet National Bank | 7 | 895 Main St, Dubuque 52001 |
| Premier Bank | 3 | 2625 Nw Arterial, Dubuque 52002 |
| U.S. Bank National Association | 2 | 270 W 7th St, Dubuque 52001 |
| Capra Bank | 2 | 955 Washington St, Dubuque 52001 |
| Community Savings Bank | 2 | 1211 12th Ave Se, Dyersville 52040 |
| Citizens State Bank | 1 | 7352 Columbus St, New Vienna 52065 |
| Ohnward Bank & Trust | 1 | 332 1st Ave W, Cascade 52033 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Dubuque County
20 credit-union locations from 8 credit unions.
| Credit union | Location |
|---|---|
| Greenstate | 3405 Stoneman Rd, Dubuque 52002 |
| Dupaco Community | 3299 Hillcrest Rd, Dubuque 52001 |
| Collins Community | 255 John F Kennedy Rd, Dubuque 52002 |
| Empeople | 18600 S John Deere Rd, Dubuque 52001 |
| Dutrac Community | 3465 Asbury Rd, Dubuque 52002 |
| Aim | 1200 Associates Dr, Dubuque 52002 |
| Holy Ghost Parish | 66 W 32Nd St, Dubuque 52001 |
| Dubuque Postal Employees | 1155 Loras Blvd, Dubuque 52001 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Dubuque County
Frequently asked questions
Are payday loans legal in Dubuque County?
Dubuque 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 Dubuque 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 Dubuque County?
Options include 33 bank and 20 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 Dubuque County?
Fill out our short online form from anywhere in Dubuque 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.
Where can I get a loan in Dubuque County, IA?
You can apply at banks, credit unions and lenders in Dubuque 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 Dubuque 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. Dubuque County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Dubuque County with bad credit?
Yes, many lenders in our network work with Dubuque 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 an emergency loan in Dubuque County?
Yes. When an unexpected bill comes up, Dubuque 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.