Loans in Guthrie County, IA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Guthrie County, IA.
The median household in Guthrie County earns $77,711 a year, about the same as the Iowa median of $75,059. About 10% of residents live below the federal poverty line, and 16.0% of households rent their home.
What you need for a payday loan in Guthrie County
Most Guthrie 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 Guthrie County
What Guthrie County borrowers use it for
keep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Guthrie 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 Guthrie County
Banks with branches in Guthrie County
9 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Guthrie County State Bank | 2 | 505 E Main St, Panora 50216 |
| First State Bank | 2 | 215 N Division St, Stuart 50250 |
| Rolling Hills Bank & Trust | 2 | 615 S Division St, Stuart 50250 |
| Farmers State Bank | 1 | 201 Main St, Yale 50277 |
| Iowa Trust & Savings Bank | 1 | 120 E Main St, Panora 50216 |
| Peoples Bank | 1 | 401 Main St, Guthrie Center 50115 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Guthrie County. The nearest counties with credit unions:
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.
Credit unions in Carroll County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Dupaco Community | 503 W Us Highway 30, Carroll 51401 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Guthrie County?
Guthrie 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 Guthrie 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 Guthrie County?
Options include 9 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 Guthrie County?
Fill out our short online form from anywhere in Guthrie 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 apply for a loan online in Guthrie County?
Yes. You don't need to visit a branch or storefront anywhere in Guthrie 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 Guthrie County, IA?
You can apply at banks, credit unions and lenders in Guthrie 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 Guthrie 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. Guthrie County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Guthrie County?
Yes. When an unexpected bill comes up, Guthrie 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.