Personal loans in Marshalltown, IA
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Marshalltown, IA.
The median household in Marshalltown earns $69,068 a year, 8% below the Iowa median of $75,059. About 14% of residents live below the federal poverty line, and 31.2% of households rent their home.
Iowa law that applies in Marshalltown
| 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 Marshalltown
Lenders that serve Marshalltown typically ask for the following:
- 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 Marshalltown
What Marshalltown borrowers use it for
handle the unexpected the same week
Car repairskeep getting to work while the shop fixes it
Holiday expensesgifts and travel without maxing a card
Need money nowthe fastest options online
Loans for your situation
How to get a personal loan in Marshalltown
- 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 Marshalltown
12 FDIC-insured bank branches from 9 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First Interstate Bank | 2 | 11 N 1st Ave, Marshalltown 50158 |
| Farmers Savings Bank | 2 | 205 W Main St, Marshalltown 50158 |
| United Bank & Trust Co. | 2 | 2101 S Center St, Marshalltown 50158 |
| Pinnacle Bank | 1 | 2206 S Center St, Marshalltown 50158 |
| Citizens Savings Bank | 1 | 2414 S 2nd St, Marshalltown 50158 |
| U.S. Bank National Association | 1 | 123 W Main St, Marshalltown 50158 |
| Alerus Financial, National Association | 1 | 303 W Main St, Marshalltown 50158 |
| Wells Fargo Bank, National Association | 1 | 2703 S Center St, Marshalltown 50158 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Marshalltown
4 credit-union locations from 3 credit unions.
| Credit union | Location |
|---|---|
| Community Choice | 10 Lafrentz Ste 300, Marshalltown 50158 |
| Members1St Community | 104 W Anson St, Marshalltown 50158 |
| Lennox Employees | 1004 E Main St, Marshalltown 50158 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Marshall County · Payday Loans in Marshalltown
Frequently asked questions
Can I get a personal loan with bad credit in Marshalltown?
Possibly. Lenders in our network consider applicants with fair and bad credit across Iowa, including Marshalltown. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in Marshalltown, IA?
Regulated lenders: rates set by Banking Superintendent rule; 2026 rule rewrite unclear.
How fast can I get a personal loan in Marshalltown?
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.
How can I get an emergency loan in Marshalltown?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
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 Marshalltown with our free 3-minute form.
How do installment loans work in Marshalltown?
You apply, the lender reviews your income and credit profile, and if you're approved you receive a lump sum deposited into your bank account. You then repay it in equal scheduled payments over an agreed term, with interest built in. Your agreement shows each payment amount and date before you sign. Marshalltown residents can see installment loan offers with our free 3-minute form.
How long does it take to get a personal loan in Marshalltown?
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 Marshalltown.
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.
Do I need to visit a store in Marshalltown?
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.