Loans in Story County, IA: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Story County, IA.
The median household in Story County earns $69,685 a year, 7% below the Iowa median of $75,059. About 18% of residents live below the federal poverty line, and 44.5% of households rent their home.
What you need for a payday loan in Story County
Here's what to have on hand before you start your payday loan request in Story 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 Story County
What Story County borrowers use it for
cover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in Story 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 Story County
Banks with branches in Story County
40 FDIC-insured bank branches from 22 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| South Story Bank & Trust | 5 | 501 Linn St, Slater 50244 |
| First National Bank, Ames, Iowa | 4 | 405 5th St, Ames 50010 |
| VISIONBANK OF IOWA | 4 | 104 Chestnut St, Ames 50010 |
| First Interstate Bank | 3 | 423 Broad St, Story City 50248 |
| U.S. Bank National Association | 2 | 405 Main St, Ames 50010 |
| Exchange State Bank | 2 | 823 Wheeler St, Ames 50010 |
| Security State Bank | 2 | 103 E Main St, Zearing 50278 |
| Availa Bank | 2 | 1121 S G Ave, Nevada 50201 |
| Fidelity Bank | 2 | 205 Water St, Cambridge 50046 |
| GNB Bank | 2 | 629 Broad St, Story City 50248 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Story County
10 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Community Choice | 212 E Lincoln Way, Ames 50010 |
| Greater Iowa | 801 Lincoln Way, Ames 50010 |
| Members1St Community | 423 Main St, Ames 50010 |
| Premier | 520 Grand Ave, Ames 50010 |
| River Valley | 2811 E 13Th St, Ames 50010 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Story County
Frequently asked questions
Are payday loans legal in Story County?
Story 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 Story 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 Story County?
Options include 40 bank and 10 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 Story County?
Fill out our short online form from anywhere in Story 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 apply for a loan online in Story County?
Yes. You don't need to visit a branch or storefront anywhere in Story 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 Story County, IA?
You can apply at banks, credit unions and lenders in Story 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 a loan in Story County with bad credit?
Yes, many lenders in our network work with Story 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 an emergency loan in Story County?
Yes. When an unexpected bill comes up, Story 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.