Loans in Mills County, IA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Mills County, IA.
The median household in Mills County earns $90,753 a year, 21% above the Iowa median of $75,059. About 8% of residents live below the federal poverty line, and 16.5% of households rent their home.
What you need for a payday loan in Mills County
Lenders that serve Mills 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 Mills County
What Mills County borrowers use it for
handle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Loans for your situation
Which loans are available in Mills 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 Mills County
Banks with branches in Mills County
7 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Glenwood State Bank | 2 | 32 N Walnut St, Glenwood 51534 |
| First National Bank of Omaha | 1 | 102 S Locust St, Glenwood 51534 |
| Houghton State Bank | 1 | 407 Howland St, Emerson 51533 |
| Malvern Bank | 1 | 404 Main St, Malvern 51551 |
| First Interstate Bank | 1 | 201 S Locust St, Glenwood 51534 |
| Tri-Valley Bank | 1 | 207 S Locust St, Glenwood 51534 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
No credit-union branch is listed inside Mills County. The nearest counties with credit unions:
Credit unions in Pottawattamie County
8 credit-union locations from 7 credit unions.
| Credit union | Location |
|---|---|
| Cobalt | 1141 N Broadway, Council Bluffs 51503 |
| Veridian | 2040 W Broadway, Council Bluffs 51501 |
| Centris | 2825 Avenue G, Council Bluffs 51501 |
| Community 1St | 102 N Elm St, Avoca 51521 |
| Midland | 1900 W Broadway, Council Bluffs 51501 |
| U.P. Connection | 204 S 35Th St, Council Bluffs 51501 |
| North Western Employees | 1411 W Broadway, Council Bluffs 51501 |
Source: NCUA credit union branch data, June 30, 2026.
Credit unions in Page County
1 credit-union locations from 1 credit unions.
| Credit union | Location |
|---|---|
| Community 1St | 700 S Fremont St, Shenandoah 51601 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Mills County?
Mills 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 Mills 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 Mills County?
Options include 7 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 Mills County?
Fill out our short online form from anywhere in Mills 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 Mills County with bad credit?
Yes, many lenders in our network work with Mills 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 Mills 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. Mills County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Mills County?
Yes. When an unexpected bill comes up, Mills 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 Mills County, IA?
You can apply at banks, credit unions and lenders in Mills 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.