Personal loans in Guttenberg, IA

Two households in Guttenberg, Iowa with comparable incomes can still be offered different rates, because each lender weighs a credit file its own way. An estimated 1,808 people make their home in Guttenberg, a figure that ranks 180th in Iowa. Guttenberg lost roughly 0.4% of its population across the 2020-to-2023 comparison. 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 nearest larger metro is Prairie du Chien, WI about 18 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 Guttenberg: the local picture

Only a few things actually differ by place — population, location, and the Iowa rules a lender must follow — and they are below.

Population: a Census-estimated 1,808, 180th among Iowa's 940 places (Vintage 2023).
Population trend: Lower by roughly 0.4% since the 2020 count.
Size percentile: it sits ahead of around 81% of Iowa places.
Location: the Census Gazetteer records it at 42.7886, -91.1088.
Nearest larger cities: Prairie du Chien (18 mi); Lancaster (21 mi); Dyersville (21 mi); Epworth (25 mi); Asbury (25 mi). Larger metros often have more branches, but online lenders reach Guttenberg on the same terms.
Nearest smaller places: Osterdock (5 mi); Bagley (8 mi); Cassville (8 mi).

What Iowa law requires in Guttenberg

The rows below set out what a licensed lender must follow in Iowa, and so in Guttenberg.

Rule	Detail	Source
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
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

What a Guttenberg personal loan looks like

A personal loan can fold higher-rate debt together, fund a planned expense, or absorb a one-off cost — provided the payment fits without new borrowing. The familiar mistake is to move a card balance into a personal loan and then run the cards back up, which doubles the debt instead of clearing it. Read the full disclosure before signing; the written terms are the ones that count.

A pre-application checklist for Guttenberg

A handful of practical steps will make borrowing in Guttenberg less expensive:

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.
Check that the monthly payment fits your budget next to your existing obligations.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Guttenberg?

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 Guttenberg?

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 Guttenberg 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

Osterdock, IA — population 43
Bagley, WI — population 357
Clayton, IA — population 46
Cassville, WI — population 771
Garnavillo, IA — population 751
Garber, IA — population 79
Elkport, IA — population 28
Colesburg, IA — population 383