Personal loans in Solon, IA

Solon is a small community in Iowa, with an estimated 3,182 residents, and every licensed lender here follows the same state rulebook. With an estimated 3,182 residents, Solon is the 117th-largest of 940 places in Iowa. The closest larger city is North Liberty, IA about 7 miles away. The trend for Solon between 2020 and 2023 is upward by roughly 5.2%. To lend to Solon's 3,182 residents, a company must hold a Iowa licence, and each sourced row below names the regulator behind it. Judge Solon offers on total cost, not on how quickly the money arrives.

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.

What the Census records for Solon

Two layers matter for a Solon borrower: the local population picture and Iowa's consumer-lending statutes.

Lender access in Solon

Solon is a moderately settled community of about 3,182 people, with 22 larger places inside a 50-mile radius. What is available to Solon's 3,182 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest bigger place is North Liberty, IA about 7 miles away.

Where Solon sits in Iowa

Among Iowa's 940 places, Solon sits at 117th for population, a share of roughly 0.1% of the state. For population change between 2020 and 2023, Solon ranks 34th of 940 in Iowa (about the 96th percentile). At about 1,991 people per square mile, Solon is the 22nd most densely settled place in Iowa. The population moved by about 156 people between 2020 and 2023, a 5.2% shift.

The Iowa lending rules that reach Solon

Every row below records a Iowa rule, its publisher and its retrieval date — the same rules a Solon lender must follow.

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
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
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

The geography behind Solon

Solon covers about 1.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 3,182 residents, the land area yields roughly 1,991 people per square mile. The state's population centre of gravity, Des Moines, is roughly 110 miles away. A 50-mile radius around Solon takes in 22 places that are larger. By land area it ranks 253rd of 940 Iowa places.

Before you apply in Solon

For Solon's roughly 3,182 residents, these are the steps that most influence the offer:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Check the Iowa regulator's records to confirm the lender is licensed here.
  5. Read the disclosure for an origination fee and any prepayment penalty before signing.
  6. Test the payment against your current bills before you commit.
  7. Weigh a shorter term's higher payment against the interest it saves.

The process is identical across Iowa; what changes is your credit file, not the fact that Solon holds 3,182 people.

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