Personal loans in Sabula, IA
Two households in Sabula with comparable incomes can still be offered different rates; the city's 493 residents are not the reason. Verify the lender's Iowa licence against the regulator named below before borrowing in Sabula. About 493 people live in Sabula, placing it 441st of 940 Census places in Iowa. To lend to Sabula's 493 residents, a company must hold a Iowa licence, and each sourced row below names the regulator behind it. The 2020 count to the 2023 estimate shows about 1.8% decline in Sabula. A larger market lies at Savanna, IL about 3 miles away.
Sabula by the numbers
Read the local figures below as context; read the sourced Iowa table as the rulebook a lender here must follow.
- Population: 493 people, a figure that places Sabula 441st among the 940 Census places in Iowa (US Census Bureau, Vintage 2023).
- Population trend: Roughly 1.8% fewer residents than the 2020 Census counted.
- Net change: roughly 9 fewer people than the 2020 Census counted.
- Size percentile: Sabula sits ahead of around 53% of Iowa places, at 493 people.
- Density: the Census land area of 0.5 sq mi holds about 988 people per square mile.
- By land area: Sabula ranks 655th among Iowa's 940 places, at 0.5 sq mi.
- Water: Sabula holds about 0.96 square miles, the 16th-largest water area in Iowa.
- Share of Iowa: Sabula holds about 0.0% of the state's population, some 493 people.
- Nationally: Sabula is the 13,229th-largest of 19,457 Census places in the dataset.
- Growth rank: Sabula ranks 593rd among Iowa's 940 places for the 2020-to-2023 change.
- Against the state trend: Sabula's 1.8% change compares with a Iowa average of -0.7% across its 940 places.
- Density rank: Sabula is the 275th most densely settled place in Iowa.
- Density vs Iowa: Sabula's 988 people per square mile compare with a state median of 672.
- Location: latitude 42.0702, longitude -90.1825 (Census Gazetteer).
- Nearest larger cities: Savanna (3 mi); Thomson (8 mi); Mount Carroll (11 mi); Preston (11 mi); Hanover (14 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities close by: Miles (7 mi); Andover (7 mi); Goose Lake (12 mi), each with its own Census population profile.
- Smaller places within 50 miles: 60 of them.
- At 100 miles: 416 larger Census places fall inside that radius.
Borrowing reach in Sabula
Sabula is a moderately settled community of about 493 people, with 90 larger places inside a 50-mile radius. Distance to a branch rarely matters for Sabula's 493 residents: the application is online and the price follows your credit file. The nearest bigger place is Savanna, IL about 3 miles away.
Sabula on the map
The Census Gazetteer records 0.5 square miles of land and 0.96 square miles of water within Sabula. That land carries about 988 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 180 miles. Counting outward 50 miles, 90 larger communities surround Sabula. The 100-mile radius contains 416 larger places.
The state rulebook for Sabula
This table holds the Iowa rate and licensing rules for consumer loans made to Sabula's 493 residents.
| 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 |
What a Sabula borrower is actually offered
A Sabula personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 493 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Sabula. A longer term lowers the monthly payment on a Sabula loan but raises total interest, so the smallest payment is not the cheapest loan.
Sabula in state context
Within Iowa, Sabula holds roughly 0.0% of all residents, the 441st-largest share among 940 places. For population change between 2020 and 2023, Sabula ranks 593rd of 940 in Iowa (about the 37th percentile). Its roughly 988 residents per square mile place it 275th among Iowa's places. In land area, Sabula ranks 655th among Iowa's 940 places.
Common questions
What are my options in Sabula if my credit is poor?
What loan size can I expect in Sabula?
Do I have to pledge anything to borrow in Sabula?
Does comparing loans in Sabula cost me credit score points?
Nearby places
- Savanna, IL — population 2,712
- Andover, IA — population 107
- Thomson, IL — population 1,601
- Miles, IA — population 402
- Hanover, IL — population 841
- Fulton, IL — population 3,567
- Mount Carroll, IL — population 1,441
- Preston, IA — population 938