Personal loans in Earlville, IA

Two households in Earlville, Iowa with comparable incomes can still be offered different rates, because each lender weighs a credit file its own way. By population, Earlville sits at 363rd in Iowa, with an estimated 717 residents. A 2020-to-2023 comparison shows Earlville down by about 0.3%. Iowa runs its own consumer-lending licensing through a state agency, and the sourced table on this page lists the figures that apply. Price two or three terms so you can see which payment is truly affordable. The closest larger city is Dyersville, IA about 8 miles away.

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

Compare loan offers Run the numbers first

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 Earlville: the local picture

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

Population: an estimated 717 residents, 363rd of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
Population trend: Down about 0.3% from the 2020 Census base to the 2023 estimate.
Size percentile: about 61% of Iowa communities are smaller.
Location: it lies at 42.4827, -91.2701 in the Census Gazetteer.
Nearest larger cities: Dyersville (8 mi); Manchester (9 mi); Edgewood (13 mi); Farley (14 mi); Epworth (17 mi). For most borrowers the comparison happens online, not at a branch.
Smaller communities close by: Delaware (4 mi); Delhi (4 mi); Greeley (8 mi), each with its own Census population profile.

What Iowa law requires in Earlville

This table holds the Iowa rate and licensing rules for consumer loans made in Earlville.

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 Earlville personal loan looks like

A longer term lowers the monthly payment on a Earlville loan but raises the total interest, so the smallest payment is not always the cheapest loan. Compare the APR rather than the interest rate, because origination fees and sometimes prepayment penalties are folded into it. If the numbers do not work at a comfortable payment, the right answer may be not to borrow at all.

A pre-application checklist for Earlville

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

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.
Write down the purpose of the loan and your repayment plan before you apply.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Earlville?

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 Earlville?

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 Earlville 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

Delaware, IA — population 139
Delhi, IA — population 432
Greeley, IA — population 216
Hopkinton, IA — population 624
Dyersville, IA — population 4,557
New Vienna, IA — population 380
Colesburg, IA — population 383
Worthington, IA — population 372