Personal loans in Pleasantville, IA

Pleasantville, Iowa is a small community, and the lending rules its residents live under are written at the state level, not by the city. The Census puts Pleasantville's population at about 1,690, which ranks it 187th among the 940 places in Iowa. Census figures put the 2020-to-2023 increase at about 0.4%. When Iowa caps or restricts a product, lenders either change the terms or withdraw it from the state. Read the disclosure for an origination fee and any prepayment penalty before signing. The closest larger city is Knoxville, IA about 10 miles away.

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

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Borrowing in Pleasantville: the local picture

Read the local figures below as context; read the sourced Iowa table as the rulebook a lender here must follow.

Population: 1,690 — Pleasantville ranks 187th of 940 communities in Iowa (US Census Bureau, Vintage 2023).
Population trend: Roughly 0.4% more residents than the 2020 Census counted.
Size percentile: by population it outranks roughly 80% of the places in Iowa.
Location: coordinates 41.3870, -93.2728 (US Census Bureau Gazetteer).
Nearest larger cities: Knoxville (10 mi); Monroe (13 mi); Prairie City (15 mi); Carlisle (15 mi); Indianola (15 mi). Larger metros often have more branches, but online lenders reach Pleasantville on the same terms.
Nearest smaller places: Swan (6 mi); Sandyville (6 mi); Hartford (8 mi).

What Iowa law requires in Pleasantville

These are Iowa's sourced lending facts as they apply in Pleasantville; the state has no separate city-level rate rule.

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
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
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

What a Pleasantville personal loan looks like

Most personal loans made to Pleasantville residents are unsecured, so no collateral is pledged and the lender leans on your credit history. Deciding what the loan is for, and what you will do differently afterward, matters more than the headline rate. Read the full disclosure before signing; the written terms are the ones that count.

A pre-application checklist for Pleasantville

A sensible order of operations for a loan in Pleasantville:

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.
Choose a term you can live with; stretching it lowers the payment but raises total interest.

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Common questions

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

What loan size can I expect in Pleasantville?

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 Pleasantville?

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 Pleasantville 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

Swan, IA — population 77
Sandyville, IA — population 59
Hartford, IA — population 725
Runnells, IA — population 451
Melcher-Dallas, IA — population 1,184
Knoxville, IA — population 7,432
Milo, IA — population 761
Ackworth, IA — population 117