Loans in Polk County, IA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Polk County, IA.
The median household in Polk County earns $83,576 a year, 11% above the Iowa median of $75,059. About 10% of residents live below the federal poverty line, and 32.6% of households rent their home.
What you need for a payday loan in Polk County
Most Polk 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 Polk County
What Polk County borrowers use it for
gifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Moving costsdeposits, trucks and first-week expenses
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Polk 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 Polk County
Banks with branches in Polk County
134 FDIC-insured bank branches from 39 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| Bankers Trust Company | 12 | 453 7th St, Des Moines 50309 |
| U.S. Bank National Association | 12 | 2401 University Ave, Des Moines 50311 |
| Wells Fargo Bank, National Association | 11 | 910 E 1st St, Ankeny 50021 |
| Community State Bank | 9 | 200 8th St Se, Altoona 50009 |
| Midwest Heritage Bank, FSB | 6 | 3580 Ep True Pkwy, West Des Moines 50265 |
| West Bank | 6 | 3330 Westown Parkway, West Des Moines 50266 |
| BMO Bank National Association | 6 | 5721 Merle Hay Rd, Johnston 50131 |
| VISIONBANK OF IOWA | 5 | 502 8th St Sw, Altoona 50009 |
| Iowa State Bank | 5 | 627 E Locust St, Des Moines 50309 |
| Central Bank | 5 | 3624 6th Ave, Des Moines 50313 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Polk County
55 credit-union locations from 23 credit unions.
| Credit union | Location |
|---|---|
| Veridian | 1201 S Ankeny Blvd, Ankeny 50023 |
| Greenstate | 2610 Sw White Birch Dr, Ankeny 50023 |
| Dupaco Community | 1701 E. First St., Grimes 50111 |
| I. H. Mississippi Valley | 3990 Merle Hay Rd, Des Moines 50310 |
| Collins Community | 601 E Court Ave, Des Moines 50309 |
| Marine | 909 9Th St, West Des Moines 50265 |
| Empeople | 825 Sw Irvinedale Dr, Ankeny 50023 |
| Community Choice | 8404 Nw 62Nd Ave, Johnston 50131 |
| Greater Iowa | 600 E 30Th St, Des Moines 50317 |
| Premier | 800 9Th St, Des Moines 50309 |
| Affinity | 475 Nw Hoffman Ln, Des Moines 50313 |
| Financial Plus | 1831 25Th St, West Des Moines 50266 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Polk County
Frequently asked questions
Are payday loans legal in Polk County?
Polk 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 Polk 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 Polk County?
Options include 134 bank and 55 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 Polk County?
Fill out our short online form from anywhere in Polk 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 an emergency loan in Polk County?
Yes. When an unexpected bill comes up, Polk 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 Polk 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. Polk County residents can start any time, and it takes about 3 minutes.
Can I get a loan in Polk County with bad credit?
Yes, many lenders in our network work with Polk 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 apply for a loan online in Polk County?
Yes. You don't need to visit a branch or storefront anywhere in Polk 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.