Personal loans in Clive, IA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Clive, IA.
The median household in Clive earns $132,121 a year, 76% above the Iowa median of $75,059. About 7% of residents live below the federal poverty line, and 24.6% of households rent their home.
Iowa law that applies in Clive
| Rate cap | The Superintendent of Banking sets maximum rates by rule for regulated loans of $30,000 or less. |
|---|---|
| License required | Yes. |
| Loan sizes covered | Up to the 'threshold amount', which Iowa ties to the federal Truth in Lending threshold in 12 C.F.R. |
Full rules with statute citations: Personal Loans in Iowa. Cities in Iowa cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in Clive
Most Clive applicants can finish in one sitting if they have these ready:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Clive
What Clive borrowers use it for
pay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a personal loan in Clive
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
Banks with branches in Clive
13 FDIC-insured bank branches from 11 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Interstate Bank | 2 | 10101 University Ave, Clive 50325 |
| Wells Fargo Bank, National Association | 2 | 9801 University Ave, Clive 50325 |
| Peoples Bank | 1 | 12701 University Ave, Clive 50325 |
| Bankers Trust Company | 1 | 11111 University Ave, Clive 50325 |
| BMO Bank National Association | 1 | 1070 73rd St, Clive 50324 |
| Great Southern Bank | 1 | 12257 University Ave, Clive 50325 |
| VISIONBANK OF IOWA | 1 | 12901 University Ave, Clive 50325 |
| Lincoln Savings Bank | 1 | 13523 University Ave, Clive 50325 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Clive
5 credit-union locations from 5 credit unions.
| Credit union | Location |
|---|---|
| Greenstate | 12333 University Ave, Clive 50325 |
| Community Choice | 1351 Nw 114Th St, Clive 50325 |
| Wolf Point | 13300 Hickman Rd Ste 100, Clive 50325 |
| Fort Peck Community | 13300 Hickman Rd, Clive 50325 |
| Lamoure | 13300 Hickman Rd, Clive 50325 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Polk County · Dallas County · Payday Loans in Clive
Frequently asked questions
Can I get a personal loan with bad credit in Clive?
Possibly. Lenders in our network consider applicants with fair and bad credit across Iowa, including Clive. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Clive, IA?
Regulated lenders: rates set by Banking Superintendent rule; 2026 rule rewrite unclear.
How fast can I get a personal loan in Clive?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
What credit score do I need for a personal loan?
There's no single minimum. Some lenders want good credit, but many lenders in our network consider fair, poor and limited credit and weigh your income and job history too. A higher score may get you better rates and larger amounts, while lower scores may still qualify for smaller loans. Find out what's available to you in Clive with our free 3-minute form.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
What is an installment loan?
An installment loan is money you borrow and repay in fixed, scheduled payments, usually every two weeks or monthly, until it's paid off. Personal loans, auto loans and many short-term loans are installment loans. Because repayment is spread out, each payment is smaller than a lump sum. Lenders in our network offer installment loans from $100 to $5,000 to Clive borrowers who qualify.
How long does it take to get a personal loan in Clive?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in Clive.
How do I apply for a personal loan with bad credit in Clive?
Start by gathering your ID, proof of income and bank account details. Then complete our online form with accurate information about your income and the amount you need. Lenders in our network review your request, and many respond within minutes. Asking for an amount that fits your income can improve your chances. If you're approved, you'll review the full terms before signing.
Do I need to visit a store in Clive?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.