Personal loans in Redfield, IA

Population in Redfield dropped about 1.5% over the three years from 2020 to 2023. About 719 people live in Redfield, placing it 361st of 940 Census places in Iowa. The first question in Redfield is not the rate on offer but whether the payment fits; about 719 people live here under Iowa lending law. Price two or three terms so you can see which payment is truly affordable in Redfield. For the 719 people in Redfield, Iowa runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. For a bigger market, look to Earlham, IA about 8 miles away.

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

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.

The Redfield data picture

The figures below are Redfield's own — Census population, land area and coordinates — followed by the Iowa rules.

Iowa consumer-lending rules applied in Redfield

This table holds the Iowa rate and licensing rules for consumer loans made to Redfield's 719 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
Payday lending statusPermitted 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 licensingRegulated 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 is available to Redfield borrowers

Redfield is moderately settled, with about 528 people per square mile and 61 larger places within 50 miles. Distance to a branch rarely matters for Redfield's 719 residents: the application is online and the price follows your credit file. The nearest larger city, Earlham, IA about 8 miles away.

The anatomy of a Redfield personal loan

A Redfield personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 719 residents. Federal Truth in Lending rules require a Redfield lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Redfield loan but raises total interest, so the smallest payment is not the cheapest loan.

The geography behind Redfield

The Census Gazetteer records about 1.4 square miles of land within Redfield, with no significant water area listed. That land carries about 528 people per square mile. The largest place in Iowa, Des Moines, lies about 30 miles away. A 50-mile radius around Redfield takes in 61 places that are larger. Within the same 50 miles lie 72 smaller Census places.

Redfield's place among Iowa's 940 places

Redfield is the 361st-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Redfield stands 538th among Iowa's 940 places — roughly the 43th percentile. At about 528 people per square mile, Redfield is the 585th most densely settled place in Iowa. By land area, its 1.4 square miles rank 286th of 940 places in Iowa.

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

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