Personal loans in Leon, IA

With roughly 1,817 residents, Leon is a small community, and the lending rules its borrowers live under are written in Iowa, not by the city. Leon shed about 0.1% of its population between the 2020 base and the 2023 estimate.

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.

An estimated 1,817 people make their home in Leon, a figure that ranks 178th in Iowa. Price two or three terms so you can see which payment is truly affordable in Leon. Every figure below is Iowa's own, applied to Leon's 1,817 residents, with the publisher and retrieval date attached. The next larger city is Lamoni, IA about 12 miles away.

Borrowing in Leon: the local picture

Here is the sourced Census picture for Leon, plus the Iowa lending rules that apply to a loan taken out here.

What shapes a Leon personal loan

A Leon personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,817 residents. The APR tracks your credit score rather than Leon's rank of 178th in Iowa: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Leon loan is knowable in advance — unlike a revolving card balance.

The Iowa lending rules that reach Leon

These are Iowa's sourced lending facts as they reach Leon's 1,817 residents; the state has no city-level rate rule.

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
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
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

A practical checklist for Leon borrowers

For Leon's roughly 1,817 residents, these are the steps that most influence the offer:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  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 lender holds a Iowa licence by checking the regulator named above.
  5. Test the payment against your current bills before you commit.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Keep the amount to the expense; an approval is not a reason to take more.

The process is identical across Iowa; what changes is your credit file, not the fact that Leon holds 1,817 people.

Land, water and location for Leon

Leon covers about 3.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 580 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 58 miles. Within 50 miles of Leon there are 9 larger Census places. By land area it ranks 134th of 940 Iowa places.

Where Leon sits in Iowa

Leon is the 178th-largest of 940 Census places in Iowa and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Leon stands 298th among Iowa's 940 places — roughly the 68th percentile. Its roughly 580 residents per square mile place it 535th among Iowa's places. Within 50 miles sit 99 smaller Census places, alongside the 9 that are larger.

Compare personal 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.

Common questions

What are my options in Leon 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 Leon is the same as anywhere in Iowa.
What loan size can I expect in Leon?
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 Leon?
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 Leon 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