Loans in Madison County, IA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Madison County, IA.
The median household in Madison County earns $90,855 a year, 21% above the Iowa median of $75,059. About 7% of residents live below the federal poverty line, and 19.9% of households rent their home.
What you need for a payday loan in Madison County
Here's what to have on hand before you start your payday loan request in Madison County:
- 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 Madison County
What Madison County borrowers use it for
keep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Moving costsdeposits, trucks and first-week expenses
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in Madison 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 Madison County
Banks with branches in Madison County
8 FDIC-insured bank branches from 4 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Farmers and Merchants State Bank | 3 | 101 W Jefferson St, Winterset 50273 |
| Union State Bank | 2 | 611 W Highway 92, Winterset 50273 |
| Earlham Savings Bank | 2 | 130 N Chestnut Ave, Earlham 50072 |
| American State Bank | 1 | 809 N John Wayne Dr, Winterset 50273 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Madison County. The nearest counties with credit unions:
Credit unions in Warren County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Community 1St | 300 S Jefferson Way, Indianola 50125 |
| Greater Iowa | 301 E Scenic Valley Ave, Indianola 50125 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Clarke County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Community 1St | 714 W Mclane St, Osceola 50213 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Madison County
Frequently asked questions
Are payday loans legal in Madison County?
Madison 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 Madison 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 Madison County?
Options include 8 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 Madison County?
Fill out our short online form from anywhere in Madison 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 Madison 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. Madison County residents can start any time, and it takes about 3 minutes.
Where can I get a loan in Madison County, IA?
You can apply at banks, credit unions and lenders in Madison 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 an emergency loan in Madison County?
Yes. When an unexpected bill comes up, Madison 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 Madison County?
Yes. You don't need to visit a branch or storefront anywhere in Madison 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.