Loans in Lucas County, IA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Lucas County, IA.
The median household in Lucas County earns $61,793 a year, 18% below the Iowa median of $75,059. About 15% of residents live below the federal poverty line, and 21.2% of households rent their home. 16.1% of households have no home internet; our form works on any phone.
What you need for a payday loan in Lucas County
Lenders that serve Lucas 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 Lucas County
What Lucas County borrowers use it for
handle the unexpected the same week
Need money nowthe fastest options online
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Loans for your situation
Which loans are available in Lucas 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 Lucas County
Banks with branches in Lucas County
3 FDIC-insured bank branches from 3 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Interstate Bank | 1 | 201 N Main St, Chariton 50049 |
| Midwest Heritage Bank, FSB | 1 | 1025 Braden Ave, Chariton 50049 |
| Peoples Savings Bank | 1 | 2005 Court Ave, Chariton 50049 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Lucas County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Community 1St | 1934 Court Ave, Chariton 50049 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Lucas County?
Lucas 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 Lucas 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 Lucas County?
Options include 3 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 Lucas County?
Fill out our short online form from anywhere in Lucas 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 Lucas County with bad credit?
Yes, many lenders in our network work with Lucas 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 Lucas 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. Lucas County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Lucas County?
Yes. When an unexpected bill comes up, Lucas 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.
Where can I get a loan in Lucas County, IA?
You can apply at banks, credit unions and lenders in Lucas 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.