Personal loans in Delta, IA
The Census estimates 258 residents in Delta, which ranks it 601st of 940 places in Iowa. A personal loan in Delta is priced from your credit file and income, not from the fact that the city holds 258 people.
Judge Delta offers on total cost, not on how quickly the money arrives. Lenders active in Delta report to a Iowa supervisor, identified in the sourced rows below. From the 2020 Census base to the 2023 estimate, the population declined by about 1.5%. The next larger city is What Cheer, IA about 6 miles away.
What the Census records for Delta
Set out below is Delta's local context next to the state-level rules that reach every lender here.
- Population: an estimated 258 residents, 601st of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
- Population trend: Down about 1.5% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a loss of about 4 residents.
- Size percentile: bigger than about 36% of the places in Iowa, with 258 residents in Delta.
- Population density: about 269 people per square mile across 1.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Delta ranks 430th among Iowa's 940 places, at 1.0 sq mi.
- Share of Iowa: Delta holds about 0.0% of the state's population, some 258 people.
- Nationally: Delta is the 15,642nd-largest of 19,457 Census places in the dataset.
- Growth in Iowa: Delta stands 544th by percentage change from 2020 to 2023, among 940 places.
- Versus Iowa: the state average change is -0.7%, while Delta moved 1.5%.
- Density rank: Delta places 764th among Iowa's places by people per square mile.
- Density in context: Delta's 269 people per square mile sit against a Iowa median of 672.
- Location: coordinates 41.3228, -92.3306 (US Census Bureau Gazetteer).
- Nearest larger cities: What Cheer (6 mi); Sigourney (7 mi); Fremont (9 mi); Hedrick (11 mi); University Park (15 mi). Online lenders reach Delta no matter how far the nearest branch is.
- Nearest smaller towns: Hayesville (6 mi); Rose Hill (7 mi); Thornburg (9 mi).
- Smaller neighbours: 52 places smaller than Delta sit within 50 miles.
- At 100 miles: 347 larger Census places fall inside that radius.
The Iowa lending rules that reach Delta
Every row below records a Iowa rule, its publisher and its retrieval date — the same rules a Delta lender must follow.
| 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 |
| 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 |
| 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 |
Delta: area, density and distance
Delta covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 269 people per square mile. The largest place in Iowa, Des Moines, lies about 68 miles away. Within 50 miles of Delta there are 80 larger Census places. By land area it ranks 430th of 940 Iowa places.
What a Delta borrower is actually offered
In Delta, a small community of about 258, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Delta. Because the payment is fixed, the total cost of a Delta loan is knowable in advance — unlike a revolving card balance.
How Delta compares across Iowa
Among Iowa's 940 places, Delta sits at 601st for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Delta stands 544th among Iowa's 940 places — roughly the 42th percentile. By density, at about 269 people per square mile, it ranks 764th in Iowa. Between 2020 and 2023 the count changed by roughly 4 residents.
How lenders reach Delta
At roughly 269 people per square mile, Delta is lightly settled; 80 larger places lie within 50 miles. Distance to a branch rarely matters for Delta's 258 residents: the application is online and the price follows your credit file. The nearest bigger place is What Cheer, IA about 6 miles away.
Common questions
What are my options in Delta if my credit is poor?
What loan size can I expect in Delta?
Do I have to pledge anything to borrow in Delta?
Does comparing loans in Delta cost me credit score points?
Nearby places
- What Cheer, IA — population 597
- Hayesville, IA — population 44
- Sigourney, IA — population 1,985
- Thornburg, IA — population 47
- Rose Hill, IA — population 157
- Fremont, IA — population 685
- Hedrick, IA — population 722
- Keswick, IA — population 238