Personal loans in Minden, IA
Two households in Minden with comparable incomes can still be offered different rates; the city's 591 residents are not the reason. Minden is home to roughly 591 people and stands 411th by size out of 940 Census places in Iowa.
Minden lost roughly 1.8% of its population across the 2020-to-2023 comparison. If debt is already a strain, a nonprofit credit counsellor can help Minden residents before they take on more. The closest larger place is Neola, IA about 4 miles away. State law, not city hall, decides what a lender may do to Minden's roughly 591 residents, and a state regulator supervises it.
Minden: population, trend and location
Here is the sourced Census picture for Minden, plus the Iowa lending rules that apply to a loan taken out here.
- Population: an estimated 591 residents, 411th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
- Population trend: Lower by roughly 1.8% since the 2020 count.
- Net change: roughly 11 fewer people than the 2020 Census counted.
- Size percentile: with 591 residents, Minden is larger than about 56% of Iowa's Census places.
- Population density: 1,042 people per square mile on 0.6 square miles of land.
- By land area: Minden ranks 599th among Iowa's 940 places, at 0.6 sq mi.
- Within Iowa: about 0.0% of the state's population lives in Minden.
- National rank: Minden sits 12,498th by population among the 19,457 places in this dataset.
- Growth rank: Minden's 2020-to-2023 change ranks 598th of 940 places in Iowa.
- State comparison: Iowa's places average -0.7% for 2020-to-2023, against Minden's 1.8%.
- Density rank: Minden places 241st among Iowa's places by people per square mile.
- Density in context: Minden's 1,042 people per square mile sit against a Iowa median of 672.
- Location: the Census Gazetteer records it at 41.4694, -95.5432.
- Nearest larger cities: Neola (4 mi); Shelby (5 mi); Underwood (9 mi); Avoca (11 mi); Oakland (13 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities within reach: Persia (8 mi); Tennant (10 mi); Hancock (11 mi).
- Smaller places within 50 miles: 71 of them.
- Larger places within 100 miles: 196.
The geography behind Minden
Inside Minden's boundaries lie about 0.6 square miles of land, with no significant water area recorded. Spread across it are roughly 1,042 residents per square mile. Des Moines, the largest place in Iowa, is about 100 miles from Minden. Within 50 miles of Minden there are 56 larger Census places. The 100-mile radius contains 196 larger places.
Minden's place among Iowa's 940 places
Minden is the 411th-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 598th of 940 Iowa places, putting it near the 36th percentile for growth. Its roughly 1,042 residents per square mile place it 241st among Iowa's places. Between 2020 and 2023 the count changed by roughly 11 residents.
What is available to Minden borrowers
Minden is a moderately settled community of about 591 people, with 56 larger places inside a 50-mile radius. Whether Minden has a local branch or not, a Iowa-licensed lender can serve its 591 people online on the same terms. The nearest larger city, Neola, IA about 4 miles away.
Iowa rules behind a Minden personal loan
Read the table as a lender's compliance picture for Minden: the rule, the sourced figure, the publisher and the date.
| 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 |
| 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 |
Inside a Minden personal loan
Minden is a small community of about 591 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Minden. Because the payment is fixed, the total cost of a Minden loan is knowable in advance — unlike a revolving card balance.
Common questions
What are my options in Minden if my credit is poor?
What loan size can I expect in Minden?
Do I have to pledge anything to borrow in Minden?
Does comparing loans in Minden cost me credit score points?
Nearby places
- Neola, IA — population 906
- Shelby, IA — population 728
- Persia, IA — population 293
- Tennant, IA — population 83
- Underwood, IA — population 959
- Portsmouth, IA — population 189
- McClelland, IA — population 145
- Hancock, IA — population 198