Personal loans in Bevington, IA

Personal loans in Bevington, Iowa are mostly unsecured, so the APR you see reflects how a lender reads your credit. The Census puts Bevington's population at about 59, which ranks it 886th among the 940 places in Iowa. The trend between 2020 and 2023 is upward by roughly 7.3%. A single loan can carry different costs on either side of a state line, because each state sets its own lending rules. Decide the purpose of the loan and your repayment plan before sharing any details. For a bigger market, look to Martensdale, IA about 3 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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Borrowing in Bevington: the local picture

Set out below is Bevington's local context next to the state-level rules that reach every lender here.

Population: about 59 people live here, which puts Bevington 886th of 940 Census places in Iowa (Vintage 2023).
Population trend: Higher by roughly 7.3% since the 2020 count.
Size percentile: about 6% of Iowa communities are smaller.
Location: the Census Gazetteer records it at 41.3599, -93.7842.
Nearest larger cities: Martensdale (3 mi); St. Marys (4 mi); Patterson (5 mi); St. Charles (5 mi); Spring Hill (8 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Smaller communities within reach: Thayer (27 mi); Le Roy (35 mi); Valeria (35 mi).

What Iowa law requires in Bevington

The rows below set out what a licensed lender must follow in Iowa, and so in Bevington.

Rule	Detail	Source
Delayed deposit fee cap	Fee cap: $15 on first $100 of check face amount; $10 on subsequent $100 increments Source says: "fifteen dollars on the first one hundred dollars ... or more than ten dollars on subsequent one hundred dollar increments".	Iowa Legislature (Iowa Code) as of 2026-09-16
Maximum legal interest rate (usury cap)	2 percentage points above the monthly average 10-year U.S. Treasury constant maturity rate (written agreements) Source says: "The maximum lawful rate of interest ... in any written agreement ... shall be two percentage points above the monthly average ten-year constant maturity interest rate".	Iowa Legislature (Iowa Code) as of 2026-09-16
Payday lending status	Permitted under license (delayed deposit services; must be physically located in Iowa) Source says: "A person shall not operate a delayed deposit services business in this state unless the person is physically located in this state and licensed by the superintendent".	Iowa Legislature (Iowa Code) as of 2026-09-16
Small-loan / installment lender licensing	Regulated Loan Act license required (superintendent of banking) Source says: "shall not engage in the business of making loans ... without first obtaining a license from the superintendent of banking".	Iowa Legislature (Iowa Code) as of 2026-09-16
State lending regulator	Iowa Division of Banking (IDOB), Iowa Department of Insurance and Financial Services Source says: "As part of the 2023 state government realignment, the IDOB became part of a new Department of Insurance and Financial Services".	Iowa Division of Banking as of 2026-09-16

What a Bevington personal loan looks like

Two numbers drive a Bevington personal loan: the APR, which includes fees, and the term, which decides how long you keep paying. Only when you accept an offer and finish a full application does the lender run a hard inquiry, which may cost a few points for a short time. Read the full disclosure before signing; the written terms are the ones that count.

A pre-application checklist for Bevington

Before you apply in Bevington, complete these steps:

Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
Price the payment first with our personal loan calculator before any lender quotes you.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Confirm the lender holds a Iowa licence by checking the regulator named above.
Read the disclosure for an origination fee and any prepayment penalty before signing.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Bevington if my credit is poor?

Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Bevington is the same as anywhere in Iowa.

What loan size can I expect in Bevington?

Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.

Do I have to pledge anything to borrow in Bevington?

For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.

Does comparing loans in Bevington cost me credit score points?

Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

Martensdale, IA — population 411
St. Marys, IA — population 114
St. Charles, IA — population 643
Patterson, IA — population 175
Cumming, IA — population 501
Spring Hill, IA — population 68
Norwalk, IA — population 14,873
Truro, IA — population 522