Personal loans in Churdan, IA

The roughly 357 people who live in Churdan borrow under Iowa rules; city hall sets no personal-loan rate. With an estimated 357 residents, Churdan is the 521st-largest of 940 places in Iowa.

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.

Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Churdan loan. A 2020-to-2023 comparison shows Churdan down by about 2.5%. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Churdan's 357 residents. The next larger city is Lohrville, IA about 9 miles away.

Churdan: the sourced local profile

Churdan is a small community; the notes below cover its population profile and the statewide rules that apply.

Churdan: area, density and distance

Inside Churdan's boundaries lie about 2.1 square miles of land, with no significant water area recorded. The resulting density is about 172 people per square mile. The largest place in Iowa, Des Moines, lies about 60 miles away. Within 50 miles of Churdan there are 79 larger Census places. Within the same 50 miles lie 61 smaller Census places.

How Iowa law applies in Churdan

When Iowa does not publish a figure, the row links to the source instead of inventing a number; Churdan is bound by the same rules.

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
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 statusPermitted 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

How lenders reach Churdan

At roughly 172 people per square mile, Churdan is lightly settled; 79 larger places lie within 50 miles. Whether Churdan has a local branch or not, a Iowa-licensed lender can serve its 357 people online on the same terms. The nearest bigger place is Lohrville, IA about 9 miles away.

Inside a Churdan personal loan

Most loans made to Churdan's 357 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Churdan can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Churdan loan is knowable in advance — unlike a revolving card balance.

Where Churdan sits in Iowa

Set beside Iowa's 940 places, Churdan ranks 521st by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Churdan stands 728th among Iowa's 940 places — roughly the 23th percentile. At about 172 people per square mile, Churdan is the 848th most densely settled place in Iowa. Within 50 miles sit 61 smaller Census places, alongside the 79 that are larger.

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 Churdan 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 Churdan is the same as anywhere in Iowa.
What loan size can I expect in Churdan?
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 Churdan?
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 Churdan 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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