Personal loans in Dundee, IA

With roughly 194 residents, Dundee is a small community, and the lending rules its borrowers live under are written in Iowa, not by the city. At about 194 residents, Dundee is larger than roughly 28% of the 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.

Borrowers who want a bigger city can look to Lamont, IA about 5 miles away. A 2020-to-2023 comparison shows Dundee down by about 0.5%. A lender that serves Dundee operates under Iowa lending statutes and a Iowa supervisor. Verify the lender's Iowa licence against the regulator named below before borrowing in Dundee.

Dundee: population, trend and location

The figures below are Dundee's own — Census population, land area and coordinates — followed by the Iowa rules.

What a Dundee borrower is actually offered

Most loans made to Dundee's 194 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Dundee's 194 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Dundee loan is knowable in advance — unlike a revolving card balance.

Where Dundee sits

Dundee's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 616 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 127 miles. A 50-mile radius around Dundee takes in 118 places that are larger. By land area it ranks 779th of 940 Iowa places.

A pre-application checklist for Dundee

These steps shape the offer you get in Dundee, a place of about 194 people:

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Model the payment on the calculator before a lender models it for you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Confirm the Iowa licence with the regulator named above before committing.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Pick the shortest term whose payment you can comfortably afford.

In Dundee as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 194 residents.

The Iowa lending rules that reach Dundee

When Iowa does not publish a figure, the row links to the source instead of inventing a number; Dundee 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
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
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

How Dundee compares across Iowa

Set beside Iowa's 940 places, Dundee ranks 673rd by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Dundee ranks 344th of 940 in Iowa (about the 63th percentile). At about 616 people per square mile, Dundee is the 513th most densely settled place in Iowa. By land area, its 0.3 square miles rank 779th of 940 places in Iowa.

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