Loans in Linn County, IA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Linn County, IA.
The median household in Linn County earns $77,649 a year, about the same as the Iowa median of $75,059. About 9% of residents live below the federal poverty line, and 26.5% of households rent their home.
What you need for a payday loan in Linn County
Most Linn 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 Linn County
What Linn County borrowers use it for
keep getting to work while the shop fixes it
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Linn 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 Linn County
Banks with branches in Linn County
70 FDIC-insured bank branches from 27 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Farmers State Bank | 8 | 1240 8th Ave, Marion 52302 |
| Hills Bank and Trust Company | 7 | 240 3rd Ave Se, Cedar Rapids 52401 |
| Cedar Rapids Bank and Trust Company | 6 | 191 Jacolyn Dr Nw, Cedar Rapids 52405 |
| Community Savings Bank | 5 | 203 E Main St, Coggon 52218 |
| Wells Fargo Bank, National Association | 4 | 340 7th Ave, Marion 52302 |
| U.S. Bank National Association | 4 | 3401 Mount Vernon Rd Se, Cedar Rapids 52403 |
| Hiawatha Bank and Trust Company | 3 | 116 Greene St, Walker 52352 |
| BankIowa | 3 | 7045 C Ave Ne, Cedar Rapids 52402 |
| GreatAmerica Bank National Association | 3 | 625 1st St Se, Cedar Rapids 52401 |
| BMO Bank National Association | 3 | 700 1st Ave Ne, Cedar Rapids 52401 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Linn County
32 credit-union locations from 13 credit unions.
| Credit union | Location |
|---|---|
| Veridian | 2810 Edgewood Rd Sw, Cedar Rapids 52404 |
| Greenstate | 727 Oakbrook Drive, Marion 52302 |
| Dupaco Community | 3131 Williams Blvd Sw, Cedar Rapids 52404 |
| Collins Community | 1005 Blairs Ferry Rd Ne, Cedar Rapids 52402 |
| Community 1St | 1030 Sierra Dr Ne, Cedar Rapids 52402 |
| City & County | 4800 Edgewood Rd Sw, Cedar Rapids 52404 |
| Corda | 3330 Mount Vernon Rd Se, Cedar Rapids 52402 |
| Aim | 1305 1St Ave Se, Cedar Rapids 52402 |
| First | 425 1St Ave Sw, Cedar Rapids 52405 |
| Metco | 115 8Th Ave Sw, Cedar Rapids 52404 |
| Teamsters Local #238 | 5050 J St Sw, Cedar Rapids 52404 |
| Quaker Oats | 3535 Center Point Rd Ne, Cedar Rapids 52402 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Linn County
Frequently asked questions
Are payday loans legal in Linn County?
Linn 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 Linn 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 Linn County?
Options include 70 bank and 32 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 Linn County?
Fill out our short online form from anywhere in Linn 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 Linn 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. Linn County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Linn County?
Yes. When an unexpected bill comes up, Linn 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 get a loan in Linn County with bad credit?
Yes, many lenders in our network work with Linn 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 Linn County, IA?
You can apply at banks, credit unions and lenders in Linn 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.