The MFP’s Community Personal Loan Lender Survey gathers Iowa borrowers feedback and recommendations for direct lenders like banks, credit unions and online lenders. Shopping for a personal loan and a lender can be complicated and we gathered this data to help your choice.
Updated: June 2, 2026
<< Human Powered Recommendations from Iowa’s Personal Loan Borrowers >>
Iowa Best Personal Loan Lenders
Des Moines, Cedar Rapids, Davenport, Sioux City, Iowa City, West Des Moines, Ankeny, Waterloo, Ames, Council Bluffs, Online.
Des Moines Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Des Moines’s area are Community Choice Credit Union, GreenState Credit Union and Veridian Credit Union.
- Community Choice Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Des Moines-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- GreenState Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Veridian Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Community Choice Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| GreenState Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Veridian Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Affinity Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Dupaco Community Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Financial Plus Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| Bankers Trust | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Iowa State Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| West Bank | Community Bank | 4.4 | 4.3 | 4.4 | 87% |
| Luana Savings Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Bank Iowa | Community Bank | 4.3 | 4.2 | 4.3 | 85% |
| First Interstate Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
| BMO Bank | Bank | 3.9 | 3.9 | 3.9 | 77% |
Cedar Rapids Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Cedar Rapids’s area are Collins Community Credit Union, GreenState Credit Union and Metco Credit Union.
- Collins Community Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Cedar Rapids-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- GreenState Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Metco Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight local decision-making, useful personal-loan guidance and dependable Cedar Rapids service, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Collins Community Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| GreenState Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Metco Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Corda Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| Community 1st Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| AIM Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| Veridian Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| Cedar Rapids Bank & Trust | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Community Savings Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Bank Iowa | Community Bank | 4.2 | 4.2 | 4.3 | 84% |
Davenport Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Davenport’s area are IH Mississippi Valley Credit Union, GreenState Credit Union and Family Credit Union.
- IH Mississippi Valley Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Davenport-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- GreenState Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Family Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly branch service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| IH Mississippi Valley Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| GreenState Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Family Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| DuTrac Community Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 93% |
| RIA Federal Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| American Bank & Trust | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| First National Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Quad City Bank & Trust | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Sioux City Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Sioux City’s area are Telco Triad Community Credit Union, Levo Credit Union and Primebank.
- Telco Triad Community Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Sioux City-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Levo Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Primebank ranks third with a 92% Recommend score, a 4.6 Easy Application rating, 4.6 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight practical local service, helpful loan guidance and dependable branch support, which supports its strong support score among the top 3.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Telco Triad Community Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Levo Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Primebank | Community Bank | 4.6 | 4.6 | 4.7 | 92% |
| Security National Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| American Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| Central Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| First Interstate Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
| Great Southern Bank | Bank | 4.1 | 4.1 | 4.2 | 82% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Iowa City Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Iowa City’s area are GreenState Credit Union, Hills Bank and Collins Community Credit Union.
- GreenState Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Iowa City-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Hills Bank ranks second with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews frequently mention responsive local staff, practical borrowing help and clear communication, which supports its strong application and support scores.
- Collins Community Credit Union ranks third with a 93% Recommend score, a 4.6 Easy Application rating, 4.6 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| GreenState Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Hills Bank | Community Bank | 4.7 | 4.7 | 4.7 | 94% |
| Collins Community Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 93% |
| Veridian Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 91% |
| Dupaco Community Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| MidWestOne Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| West Bank | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| Bankers Trust | Community Bank | 4.2 | 4.2 | 4.3 | 84% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
West Des Moines Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in West Des Moines’s area are Community Choice Credit Union, GreenState Credit Union and Veridian Credit Union.
- Community Choice Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful West Des Moines-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- GreenState Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Veridian Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Community Choice Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| GreenState Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Veridian Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Affinity Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Bankers Trust | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| West Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Ankeny Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Ankeny’s area are Community Choice Credit Union, Veridian Credit Union and GreenState Credit Union.
- Community Choice Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Ankeny-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Veridian Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- GreenState Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Community Choice Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Veridian Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| GreenState Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Affinity Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Bankers Trust | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Luana Savings Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Waterloo Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Waterloo’s area are Veridian Credit Union, GreenState Credit Union and Dupaco Community Credit Union.
- Veridian Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Waterloo-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- GreenState Credit Union ranks second with a 95% Recommend score and matches the highest Support & Guidance rating among the top 3 at 4.8.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its high application and support scores.
- Dupaco Community Credit Union ranks third with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Veridian Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| GreenState Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Dupaco Community Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Community 1st Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 92% |
| Farmers State Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Lincoln Savings Bank | Community Bank | 4.4 | 4.4 | 4.5 | 88% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
| Wells Fargo | Bank | 4.0 | 3.9 | 3.9 | 78% |
Ames Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Ames’s area are Greater Iowa Credit Union, Veridian Credit Union and GreenState Credit Union.
- Greater Iowa Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Ames-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Veridian Credit Union ranks second with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews frequently mention responsive local staff, straightforward borrowing help and clear communication, which supports its strong application and support scores.
- GreenState Credit Union ranks third with a 93% Recommend score, a 4.6 Easy Application rating, 4.6 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly service, useful personal-loan guidance and dependable local support, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Greater Iowa Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Veridian Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| GreenState Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 93% |
| First National Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| Bankers Trust | Community Bank | 4.3 | 4.3 | 4.4 | 86% |
| U.S. Bank | Bank | 4.1 | 4.0 | 4.1 | 81% |
Council Bluffs Best Personal Loan Lenders
MFP’s Community Lenders Survey most recommended personal loan lenders in Council Bluffs’s area are Midland Credit Union, Centris Federal Credit Union and Veridian Credit Union.
- Midland Credit Union ranks highest with a 96% Recommend score, a 4.8 Easy Application rating, 4.8 Loan Terms & Rate Satisfaction rating and 4.8 Support & Guidance rating.
- Reviews most often point to helpful Council Bluffs-area service, clear personal-loan guidance and smooth application support, which supports its top scores across all three categories.
- Centris Federal Credit Union ranks second with a 94% Recommend score, a 4.7 Easy Application rating, 4.7 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews frequently mention responsive local staff, straightforward borrowing help and dependable branch support, which supports its strong application and support scores.
- Veridian Credit Union ranks third with a 93% Recommend score, a 4.6 Easy Application rating, 4.6 Loan Terms & Rate Satisfaction rating and 4.7 Support & Guidance rating.
- Reviews commonly highlight friendly service, useful personal-loan guidance and convenient local access, which supports its strong recommendation score.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| Midland Credit Union | Credit Union | 4.8 | 4.8 | 4.8 | 96% |
| Centris Federal Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| Veridian Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 93% |
| TS Bank | Community Bank | 4.5 | 4.5 | 4.6 | 90% |
| American National Bank | Bank | 4.4 | 4.4 | 4.5 | 88% |
| First Interstate Bank | Bank | 4.2 | 4.2 | 4.3 | 84% |
Iowa Online Personal Loan Lenders
MFP’s Community Lenders Survey most recommended online personal loan lenders in Iowa’s area are GreenState Credit Union, Veridian Credit Union and Dupaco Community Credit Union.
- GreenState Credit Union ranks highest with a 96% Recommend score, 4.8 Easy Application, 4.8 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top position because customers point to flexible personal loan options, online application access, and helpful service during the borrowing process.
- Veridian Credit Union ranks second with a 95% Recommend score, 4.8 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.8 Support & Guidance, the highest Support & Guidance score among the top 3.
- Borrower feedback supports its strong ranking because customers highlight convenient online banking, clear borrowing options, and useful help when applying.
- Dupaco Community Credit Union ranks third with a 94% Recommend score, 4.7 Easy Application, 4.7 Loan Terms & Rate Satisfaction, and 4.7 Support & Guidance.
- Borrower feedback supports its top-3 placement because customers point to strong digital banking, straightforward loan choices, and helpful service.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Support & Guidance | Recommend % |
|---|---|---|---|---|---|
| GreenState Credit Union | Credit Union | 4.8 | 4.8 | 4.7 | 96% |
| Veridian Credit Union | Credit Union | 4.8 | 4.7 | 4.8 | 95% |
| Dupaco Community Credit Union | Credit Union | 4.7 | 4.7 | 4.7 | 94% |
| SoFi | Bank | 4.8 | 4.7 | 4.7 | 93% |
| Greater Iowa Credit Union | Credit Union | 4.6 | 4.7 | 4.7 | 92% |
| LightStream | Bank | 4.6 | 4.8 | 4.6 | 91% |
| Corda Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 90% |
| Financial Plus Credit Union | Credit Union | 4.6 | 4.5 | 4.6 | 89% |
| Best Egg | Online | 4.6 | 4.5 | 4.6 | 88% |
| Upstart | Online | 4.7 | 4.4 | 4.5 | 87% |