Personal loans in St. Anthony, IA

What is genuinely local about borrowing in St. Anthony, Iowa is limited; the statewide rules are what actually govern a loan. Roughly 76 residents live in St. Anthony, the 857th-largest community in Iowa. For practical purposes, St. Anthony's population was stable from the 2020 base to the 2023 estimate. To lend to consumers in Iowa, a company must hold a state licence, and each sourced row below names the regulator behind it. Pull your credit reports, line up at least three offers, and model the payment before you apply. Borrowers who want a bigger city can look to Clemons, IA about 2 miles away.

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

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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.

Borrowing in St. Anthony: the local picture

What follows is St. Anthony's place in the Census record, alongside the Iowa rules that govern a personal loan made here.

Population: about 76, ranked 857th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
Population trend: The 2020-to-2023 change is under a tenth of a percent.
Size percentile: by population it outranks roughly 9% of the places in Iowa.
Location: 42.1235, -93.1975 (US Census Bureau Gazetteer).
Nearest larger cities: Clemons (2 mi); Zearing (6 mi); State Center (8 mi); Colo (10 mi); McCallsburg (10 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
Nearest smaller towns: Owasa (21 mi); Valeria (28 mi); Vining (43 mi) — useful context for the surrounding area.

What Iowa law requires in St. Anthony

Below are the Iowa rules that reach a loan made in St. Anthony, each with the regulator that issued it.

Rule	Detail	Source
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
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

What a St. Anthony personal loan looks like

In St. Anthony, as throughout Iowa, federal Truth in Lending rules require a lender to disclose the APR and finance charge before you sign. Compare the APR rather than the interest rate, because origination fees and sometimes prepayment penalties are folded into it. Read the full disclosure before signing; the written terms are the ones that count.

A pre-application checklist for St. Anthony

Before you apply in St. Anthony, complete these steps:

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.

Compare personal loan offers Run the numbers first

Common questions

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

What loan size can I expect in St. Anthony?

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 St. Anthony?

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 St. Anthony 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

Clemons, IA — population 133
Zearing, IA — population 503
State Center, IA — population 1,392
New Providence, IA — population 230
Colo, IA — population 842
Union, IA — population 381
Rhodes, IA — population 270
McCallsburg, IA — population 354