Loans in Floyd County, IA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Floyd County, IA.
The median household in Floyd County earns $68,557 a year, 9% below the Iowa median of $75,059. About 12% of residents live below the federal poverty line, and 23.4% of households rent their home. 14.0% of households have no home internet; our form works on any phone.
What you need for a payday loan in Floyd County
Lenders that serve Floyd 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 Floyd County
What Floyd County borrowers use it for
handle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Floyd 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 Floyd County
Banks with branches in Floyd County
6 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Security Bank and Trust Company | 3 | 809 Clark St, Charles City 50616 |
| First Citizens Bank | 1 | 300 N Main St, Charles City 50616 |
| CUSB Bank | 1 | 1407 S Grand Ave, Charles City 50616 |
| Fidelity Bank & Trust | 1 | 610 Gilbert St, Charles City 50616 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Floyd County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Family Community | 1211 N Grand Ave, Charles City 50616 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Floyd County?
Floyd 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 Floyd 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 Floyd County?
Options include 6 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 Floyd County?
Fill out our short online form from anywhere in Floyd 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 a loan in Floyd 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. Floyd County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Floyd County?
Yes. When an unexpected bill comes up, Floyd 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 Floyd County?
Yes. You don't need to visit a branch or storefront anywhere in Floyd 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 Floyd County with bad credit?
Yes, many lenders in our network work with Floyd 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.