Personal loans in Buckeye, IA

Consumer lending that reaches Buckeye's 82 residents is governed by Iowa statute; no city ordinance changes it. Buckeye is one of 940 Census places in Iowa; its 82 residents put it at 844th. In Buckeye, one of 940 Census places in Iowa, the figure to compare across lenders is the APR, not the advertised rate. Buckeye shed about 2.4% of its population between the 2020 base and the 2023 estimate. Use the calculator on this page to price an amount and term before you commit in Buckeye. The next larger city is Alden, IA about 6 miles away.

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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The Buckeye data picture

Only a few things actually differ by place — population, area, location, and the Iowa rules a lender must follow — and they are below.

A pre-application checklist for Buckeye

Before you hand your details to a lender in Buckeye, where the population is near 82:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Check the Iowa regulator's records to confirm the lender is licensed here.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Be clear on what the loan is for and how it gets repaid.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

What differs between Buckeye and the rest of Iowa is not the process but the borrower's own file, among the 82 people here.

Buckeye's place among Iowa's 940 places

Among Iowa's 940 places, Buckeye sits at 844th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 720th of 940 Iowa places, putting it near the 23th percentile for growth. At about 83 people per square mile, Buckeye is the 919th most densely settled place in Iowa. In land area, Buckeye ranks 420th among Iowa's 940 places.

Iowa consumer-lending rules applied in Buckeye

For the roughly 82 residents of Buckeye, the rules below are Iowa's own; each row carries its publisher and retrieval date.

RuleDetailSource
State lending regulatorIowa 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
Delayed deposit fee capFee 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

What shapes a Buckeye personal loan

Most loans made to Buckeye's 82 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Buckeye lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Buckeye loan but raises total interest, so the smallest payment is not the cheapest loan.

How lenders reach Buckeye

Buckeye is a sparsely settled community of about 82 people, with 129 larger places inside a 50-mile radius. Lenders licensed in Iowa reach Buckeye's 82 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Alden, IA about 6 miles away.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Buckeye 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 Buckeye is the same as anywhere in Iowa.
What loan size can I expect in Buckeye?
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 Buckeye?
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 Buckeye 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.

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