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.

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.

Sabula by the numbers

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

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.

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

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.

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