Personal loans in Coburg, IA

If you are considering a personal loan in Coburg, Iowa, begin with the monthly payment you can carry and work backward. With an estimated 27 residents, Coburg is the 930th-largest of 940 places in Iowa. Coburg's population was effectively unchanged from the 2020 count to the 2023 estimate. A single loan can carry different costs on either side of a state line, because each state sets its own lending rules. Begin with the payment, then weigh APR and total interest across lenders. The nearest larger city is Essex, IA about 6 miles away.

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

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Borrowing in Coburg: the local picture

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

Population: 27 residents; Coburg is the 930th-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
Population trend: The 2020-to-2023 change is under a tenth of a percent.
Size percentile: roughly 1% of Iowa places rank below it.
Location: 40.9186 / -95.2655, per the US Census Bureau Gazetteer.
Nearest larger cities: Essex (6 mi); Red Oak (7 mi); Imogene (9 mi); Stanton (10 mi); Emerson (10 mi). For most borrowers the comparison happens online, not at a branch.
Nearest smaller towns: Conway (36 mi); Maloy (48 mi); Barada (51 mi).

What Iowa law requires in Coburg

Each figure in the table below carries a publisher and a date; where the state publishes nothing, we point to the source rather than estimate.

Rule	Detail	Source
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
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

What a Coburg personal loan looks like

Two numbers drive a Coburg personal loan: the APR, which includes fees, and the term, which decides how long you keep paying. Most scoring models treat rate-shopping within a focused window as one inquiry, so comparing offers early is usually safe. The rate you see advertised is a range, not a promise, until a lender reviews your file.

A pre-application checklist for Coburg

These are the steps that most influence the offer you get in Coburg:

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.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

Compare personal loan offers Run the numbers first

Common questions

What are my options in Coburg 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 Coburg is the same as anywhere in Iowa.

What loan size can I expect in Coburg?

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 Coburg?

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 Coburg 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

Essex, IA — population 717
Red Oak, IA — population 5,461
Imogene, IA — population 38
Emerson, IA — population 399
Stanton, IA — population 676
Shenandoah, IA — population 4,884
Yorktown, IA — population 62
Elliott, IA — population 331