Personal loans in Maxwell, IA
Personal loans in Maxwell are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 854 population. The trend for Maxwell between 2020 and 2023 is downward by roughly 0.5%.
The Census counts 854 people in Maxwell, the 317th-largest figure among Iowa's 940 places. Verify the lender's Iowa licence against the regulator named below before borrowing in Maxwell. A lender that serves Maxwell operates under Iowa lending statutes and a Iowa supervisor. Borrowers who want a bigger city can look to Elkhart, IA about 9 miles away.
Maxwell by the numbers
What follows is Maxwell's place in the Census record, alongside the Iowa rules that govern a personal loan made here.
- Population: 854 people, a figure that places Maxwell 317th among the 940 Census places in Iowa (US Census Bureau, Vintage 2023).
- Population trend: About 0.5% below the 2020 Census base.
- Absolute change: 4 residents lost between 2020 and 2023.
- Size percentile: about 66% of Iowa's Census places are smaller than Maxwell.
- Population density: 782 people per square mile on 1.1 square miles of land.
- Land area: Maxwell covers 1.1 square miles, the 347th-largest area among Iowa's 940 places.
- Within Iowa: about 0.0% of the state's population lives in Maxwell.
- National rank: Maxwell is the 10,905th most populous of the 19,457 Census places covered here.
- Growth in Iowa: Maxwell stands 338th by percentage change from 2020 to 2023, among 940 places.
- Against the state trend: Maxwell's 0.5% change compares with a Iowa average of -0.7% across its 940 places.
- Density in Iowa: Maxwell ranks 397th by people per square mile.
- Against the state median: Maxwell runs about 782 residents per square mile, where the Iowa median is 672.
- Location: 41.8914, -93.3961 (US Census Bureau Gazetteer).
- Nearest larger cities: Elkhart (9 mi); Nevada (9 mi); Huxley (10 mi); Baxter (13 mi); Bondurant (14 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller towns: Collins (5 mi); Cambridge (7 mi); Colo (9 mi) — useful context for the surrounding area.
- Smaller neighbours: 87 places smaller than Maxwell sit within 50 miles.
- Larger places within 100 miles: 181.
Maxwell's place among Iowa's 940 places
Set beside Iowa's 940 places, Maxwell ranks 317th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Maxwell stands 338th among Iowa's 940 places — roughly the 64th percentile. Its roughly 782 residents per square mile place it 397th among Iowa's places. Between 2020 and 2023 the count changed by roughly 4 residents.
Before you apply in Maxwell
For Maxwell's roughly 854 residents, these are the steps that most influence the offer:
- Start with the credit file: order the reports, fix the errors, then apply.
- Use the loan calculator to test the payment on your intended amount and term.
- Line up several pre-qualified offers and let the APR decide.
- Verify the lender's Iowa licence with the regulator listed on this page.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Check the disclosure for fees that raise the true cost above the quoted rate.
- Make sure the new payment leaves room in a budget you already keep.
The process is identical across Iowa; what changes is your credit file, not the fact that Maxwell holds 854 people.
Lender access in Maxwell
With about 782 residents per square mile, Maxwell is moderately settled, and 62 larger Census places sit within 50 miles. A Iowa licence lets a lender serve Maxwell without a local office, so branch density does not change what its 854 residents are offered. The nearest bigger place is Elkhart, IA about 9 miles away.
Maxwell on the map
Maxwell's land area is roughly 1.1 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 782 residents per square mile. The largest place in Iowa, Des Moines, lies about 25 miles away. Within 50 miles of Maxwell there are 62 larger Census places. By land area it ranks 347th of 940 Iowa places.
Iowa rules behind a Maxwell personal loan
When Iowa does not publish a figure, the row links to the source instead of inventing a number; Maxwell is bound by the same rules.
| 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 |
| 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 |
| 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 |
Common questions
What are my options in Maxwell if my credit is poor?
What loan size can I expect in Maxwell?
Do I have to pledge anything to borrow in Maxwell?
Does comparing loans in Maxwell cost me credit score points?
Nearby places
- Collins, IA — population 496
- Cambridge, IA — population 828
- Colo, IA — population 842
- Nevada, IA — population 6,967
- Elkhart, IA — population 1,041
- Mingo, IA — population 313
- Valeria, IA — population 39
- Huxley, IA — population 4,634