Personal loans in Elberon, IA

For a borrower among the roughly 179 residents of Elberon, a personal loan is a tool whose cost turns on the terms, not the address. For a community of about 179, the practical step is to compare APR across at least three lenders before committing. The Census estimates 179 residents in Elberon, which ranks it 691st of 940 places in Iowa. Which products a lender may offer to Elberon's 179 residents follows from the Iowa consumer-lending framework. Elberon shed about 2.2% of its population between the 2020 base and the 2023 estimate. The next larger city is Keystone, IA about 6 miles away.

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.

Elberon: population, trend and location

Two layers matter for a Elberon borrower: the local population picture and Iowa's consumer-lending statutes.

Inside a Elberon personal loan

In Elberon, a small community of about 179, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Elberon can be quoted different APRs on the same amount and term. The term you choose in Elberon decides the split between a comfortable payment and the total interest you pay.

Elberon's place among Iowa's 940 places

Elberon is the 691st-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Elberon stands 672nd among Iowa's 940 places — roughly the 29th percentile. By density, at about 273 people per square mile, it ranks 761st in Iowa. Between 2020 and 2023 the count changed by roughly 4 residents.

The geography behind Elberon

Inside Elberon's boundaries lie about 0.7 square miles of land, with no significant water area recorded. That land carries about 273 people per square mile. Des Moines, the largest place in Iowa, is about 73 miles from Elberon. A 50-mile radius around Elberon takes in 116 places that are larger. By land area it ranks 545th of 940 Iowa places.

Which Iowa laws govern a loan in Elberon

The rows below set out what a licensed lender must follow in Iowa, and so for Elberon's roughly 179 residents.

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
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
Delayed deposit fee capFee 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

Getting a loan in Elberon

Elberon is a lightly settled community of about 179 people, with 116 larger places inside a 50-mile radius. Lenders licensed in Iowa reach Elberon's 179 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Keystone, IA about 6 miles away.

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

Related