Loans in Poweshiek County, IA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Poweshiek County, IA.
The median household in Poweshiek County earns $67,391 a year, 10% below the Iowa median of $75,059. About 11% of residents live below the federal poverty line, and 28.8% of households rent their home.
What you need for a payday loan in Poweshiek County
Here's what to have on hand before you start your payday loan request in Poweshiek 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 Poweshiek County
What Poweshiek County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
Which loans are available in Poweshiek 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 Poweshiek County
Banks with branches in Poweshiek County
10 FDIC-insured bank branches from 7 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First State Bank | 3 | 702 2nd Ave, Grinnell 50112 |
| Fidelity Bank & Trust | 2 | 207 Main St, Hartwick 52232 |
| Montezuma State Bank | 1 | 101 S 4th St, Montezuma 50171 |
| Wells Fargo Bank, National Association | 1 | 833 4th Ave, Grinnell 50112 |
| First Interstate Bank | 1 | 1030 Broad St, Grinnell 50112 |
| Grinnell State Bank | 1 | 814 4th Ave, Grinnell 50112 |
| Lincoln Savings Bank | 1 | 1025 Main St, Grinnell 50112 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Poweshiek County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Greenstate | 705 6Th Ave, Grinnell 50112 |
| Community 1St | 205 West St, Grinnell 50112 |
Source: NCUA credit union branch data, June 30, 2026.
Frequently asked questions
Are payday loans legal in Poweshiek County?
Poweshiek 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 Poweshiek 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 Poweshiek County?
Options include 10 bank and 2 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 Poweshiek County?
Fill out our short online form from anywhere in Poweshiek 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 Poweshiek County with bad credit?
Yes, many lenders in our network work with Poweshiek 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 Poweshiek County?
Yes. You don't need to visit a branch or storefront anywhere in Poweshiek 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.
Where can I get a loan in Poweshiek County, IA?
You can apply at banks, credit unions and lenders in Poweshiek 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 Poweshiek County?
Yes. When an unexpected bill comes up, Poweshiek 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.