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Personal loans in Pilot Mound, IA

The Census estimates 158 residents in Pilot Mound, which ranks it 722nd of 940 places in Iowa. Pilot Mound is a small community of about 158 residents, and a personal loan taken out here is governed by Iowa statute. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Pilot Mound loan. Consumer lending that reaches Pilot Mound's 158 residents is governed by Iowa statute; no city ordinance changes it. Census figures put the 2020-to-2023 decrease in Pilot Mound at about 1.9%. The nearest larger city is Boxholm, IA about 5 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.

Pilot Mound: population, trend and location

Most of what governs a Pilot Mound loan is written in Iowa law rather than in the city; the sourced notes below make that split concrete.

Iowa consumer-lending rules applied in Pilot Mound

This table holds the Iowa rate and licensing rules for consumer loans made to Pilot Mound's 158 residents.

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

Lender access in Pilot Mound

Pilot Mound is a lightly settled community of about 158 people, with 117 larger places inside a 50-mile radius. Distance to a branch rarely matters for Pilot Mound's 158 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Boxholm, IA about 5 miles away.

Where Pilot Mound sits in Iowa

Within Iowa, Pilot Mound holds roughly 0.0% of all residents, the 722nd-largest share among 940 places. On the 2020-to-2023 trend, Pilot Mound stands 603rd among Iowa's 940 places — roughly the 36th percentile. By density, at about 161 people per square mile, it ranks 853rd in Iowa. Within 50 miles sit 31 smaller Census places, alongside the 117 that are larger.

Steps to take before a Pilot Mound loan

A sensible order of operations for a loan in Pilot Mound, home to about 158 people:

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Test your amount and term in the personal loan calculator first.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Check the Iowa regulator's records to confirm the lender is licensed here.
  5. Test the payment against your current bills before you commit.
  6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  7. Borrow only what the purpose requires, not the maximum you are offered.

In Pilot Mound as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 158 residents.

Land, water and location for Pilot Mound

Pilot Mound covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 158 residents, the land area yields roughly 161 people per square mile. Des Moines, the largest place in Iowa, is about 46 miles from Pilot Mound. A 50-mile radius around Pilot Mound takes in 117 places that are larger. By land area it ranks 422nd of 940 Iowa places.

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 Pilot Mound 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 Pilot Mound is the same as anywhere in Iowa.
What loan size can I expect in Pilot Mound?
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 Pilot Mound?
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 Pilot Mound 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.

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