Personal loans in Moulton, IA

If you are considering a personal loan in Moulton, Iowa, begin with the monthly payment you can carry and work backward. The Census puts Moulton's population at about 599, which ranks it 408th among the 940 places in Iowa. The 2020 count to the 2023 estimate shows about 1.6% decline. Iowa runs its own consumer-lending licensing through a state agency, and the sourced table on this page lists the figures that apply. Read the disclosure for an origination fee and any prepayment penalty before signing. A larger market lies at Centerville, IA about 11 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 Moulton: the local picture

What follows is Moulton's place in the Census record, alongside the Iowa rules that govern a personal loan made here.

Population: about 599, ranked 408th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
Population trend: The 2020-to-2023 change is negative, near 1.6%.
Size percentile: about 57% of Iowa's Census places are smaller than it.
Location: 40.6855, -92.6763 (Census Gazetteer coordinates).
Nearest larger cities: Centerville (11 mi); Lancaster (13 mi); Bloomfield (14 mi); Moravia (16 mi); Unionville (23 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
Smaller places close by: Udell (7 mi); Exline (9 mi); Unionville (9 mi).

What Iowa law requires in Moulton

Read the table as a lender's compliance picture for Moulton: the rule, the sourced figure, the publisher and the date.

Rule	Detail	Source
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
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

What a Moulton personal loan looks like

Because a personal loan payment is fixed, the total cost is knowable in advance — the main difference from a credit card, where the balance revolves. Compare the APR rather than the interest rate, because origination fees and sometimes prepayment penalties are folded into it. Read the full disclosure before signing; the written terms are the ones that count.

A pre-application checklist for Moulton

Before you apply in Moulton, complete these steps:

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.
If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in Moulton?

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 Moulton?

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 Moulton 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

Udell, IA — population 30
Unionville, IA — population 74
Exline, IA — population 158
Glenwood, MO — population 182
Livonia, MO — population 55
Centerville, IA — population 5,344
Lancaster, MO — population 677
Drakesville, IA — population 170