Personal loans in Lohrville, IA

If you are considering a personal loan in Lohrville, Iowa, begin with the monthly payment you can carry and work backward. At about 370 residents, Lohrville is bigger than roughly 45% of the places in Iowa. The trend between 2020 and 2023 is downward by roughly 2.4%. Lenders active in Iowa report to a state supervisor, identified in the sourced rows below. If debt is already a strain, a nonprofit credit counsellor can help before you take on more. The closest larger city is Lake City, IA about 9 miles away.

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

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Borrowing in Lohrville: the local picture

Lohrville is a small community; the notes below cover its population profile and the statewide rules that apply.

Population: an estimated 370 residents, 515th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
Population trend: Down about 2.4% from the 2020 Census base to the 2023 estimate.
Size percentile: about 45% of Iowa communities are smaller.
Location: it lies at 42.2669, -94.5515 in the Census Gazetteer.
Nearest larger cities: Lake City (9 mi); Rockwell City (10 mi); Gowrie (13 mi); Glidden (17 mi); Scranton (17 mi). A branch is convenient; it is not what sets your APR.
Smaller communities close by: Rinard (6 mi); Churdan (9 mi); Lanesboro (9 mi), each with its own Census population profile.

What Iowa law requires in Lohrville

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

Rule	Detail	Source
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
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

What a Lohrville personal loan looks like

In Lohrville, as throughout Iowa, federal Truth in Lending rules require a lender to disclose the APR and finance charge before you sign. Most scoring models treat rate-shopping within a focused window as one inquiry, so comparing offers early is usually safe. The rate you see advertised is a range, not a promise, until a lender reviews your file.

A pre-application checklist for Lohrville

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

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.
Read the disclosure for an origination fee and any prepayment penalty before signing.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Lohrville?

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 Lohrville?

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 Lohrville 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

Rinard, IA — population 35
Churdan, IA — population 357
Farnhamville, IA — population 370
Rockwell City, IA — population 2,195
Lanesboro, IA — population 114
Somers, IA — population 123
Lake City, IA — population 1,670
Knierim, IA — population 53