Personal loans in Carroll, IA

Carroll is a small town in Iowa, with an estimated 10,163 residents, and every licensed lender here follows the same state rulebook. The Census counts 10,163 people in Carroll, the 41st-largest figure among Iowa's 940 places. The nearest larger metro is Storm Lake, IA about 43 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 1.5%. To lend to Carroll's 10,163 residents, a company must hold a Iowa licence, and each sourced row below names the regulator behind it. Work out your debt-to-income ratio first; lenders weigh it heavily, and Carroll's 10,163 residents are no exception.

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.

Borrowing in Carroll: the local picture

What follows is Carroll's place in the Census record, alongside the Iowa rules that govern a personal loan made here.

Carroll: area, density and distance

The Census Gazetteer records about 6.0 square miles of land within Carroll, with no significant water area listed. The resulting density is about 1,690 people per square mile. The largest place in Iowa, Des Moines, lies about 73 miles away. Within 50 miles of Carroll there are 2 larger Census places. By land area it ranks 63rd of 940 Iowa places.

Inside a Carroll personal loan

In Carroll, a small town of about 10,163, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Carroll can be quoted different APRs on the same amount and term. Shortening the term on a Carroll loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Carroll against the rest of Iowa

Carroll is the 41st-largest of 940 Census places in Iowa and contains about 0.4% of the state's people. On the 2020-to-2023 trend, Carroll stands 539th among Iowa's 940 places — roughly the 43th percentile. By density, at about 1,690 people per square mile, it ranks 43rd in Iowa. Within 50 miles sit 128 smaller Census places, alongside the 2 that are larger.

Iowa rules behind a Carroll personal loan

Read the table as a lender's compliance picture for Carroll: the rule, the sourced figure, the publisher and the 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
Small-loan / installment lender licensingRegulated 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
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

Borrowing reach in Carroll

Carroll is a moderately settled community of about 10,163 people, with 2 larger places inside a 50-mile radius. What is available to Carroll's 10,163 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Storm Lake, IA about 43 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 Carroll 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 Carroll is the same as anywhere in Iowa.
What loan size can I expect in Carroll?
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 Carroll?
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 Carroll 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

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