Personal loans in Stuart, IA
A lender that serves Stuart operates under Iowa lending statutes and a Iowa supervisor. Stuart counts about 1,855 people, and what is genuinely local about borrowing here is limited — Iowa law does the governing.
With an estimated 1,855 residents, Stuart is the 176th-largest of 940 places in Iowa. A 2020-to-2023 comparison shows Stuart up by about 3.9%. Work out your debt-to-income ratio first; lenders weigh it heavily, and Stuart's 1,855 residents are no exception. For a bigger market, look to Greenfield, IA about 15 miles away.
What the Census records for Stuart
Most of what governs a Stuart loan is written in Iowa law rather than in the city; the sourced notes below make that split concrete.
- Population: a Census-estimated 1,855, 176th among Iowa's 940 places (Vintage 2023).
- Population trend: A gain of roughly 3.9% between 2020 and 2023.
- Absolute change: 70 residents added between 2020 and 2023.
- Size percentile: about 81% of Iowa's Census places are smaller than Stuart.
- Population density: 659 people per square mile on 2.8 square miles of land.
- By land area: Stuart ranks 148th among Iowa's 940 places, at 2.8 sq mi.
- Within Iowa: about 0.1% of the state's population lives in Stuart.
- National rank: Stuart sits 7,894th by population among the 19,457 places in this dataset.
- Growth rank: Stuart's 2020-to-2023 change ranks 47th of 940 places in Iowa.
- Versus Iowa: the state average change is -0.7%, while Stuart moved 3.9%.
- Density rank: Stuart is the 483rd most densely settled place in Iowa.
- Against the state median: Stuart runs about 659 residents per square mile, where the Iowa median is 672.
- Location: mapped by the US Census Bureau at 41.5005, -94.3181.
- Nearest larger cities: Greenfield (15 mi); Adel (17 mi); Winterset (19 mi); Dallas Center (22 mi); Waukee (23 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities close by: Menlo (5 mi); Dexter (5 mi); Redfield (9 mi), each with its own Census population profile.
- Smaller neighbours: 96 places smaller than Stuart sit within 50 miles.
- At 100 miles: 85 larger Census places fall inside that radius.
Stuart in state context
Among Iowa's 940 places, Stuart sits at 176th for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 47th of 940 Iowa places, putting it near the 95th percentile for growth. By density, at about 659 people per square mile, it ranks 483rd in Iowa. By land area, its 2.8 square miles rank 148th of 940 places in Iowa.
Land, water and location for Stuart
Inside Stuart's boundaries lie about 2.8 square miles of land, with no significant water area recorded. That land carries about 659 people per square mile. The largest place in Iowa, Des Moines, lies about 37 miles away. Within 50 miles of Stuart there are 32 larger Census places. The 100-mile radius contains 85 larger places.
Borrowing reach in Stuart
At roughly 659 people per square mile, Stuart is moderately settled; 32 larger places lie within 50 miles. Distance to a branch rarely matters for Stuart's 1,855 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Greenfield, IA about 15 miles away.
Inside a Stuart personal loan
A Stuart personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,855 residents. Because pricing is borrower-level, two people in Stuart can be quoted different APRs on the same amount and term. The term you choose in Stuart decides the split between a comfortable payment and the total interest you pay.
Which Iowa laws govern a loan in Stuart
The rows below set out what a licensed lender must follow in Iowa, and so for Stuart's roughly 1,855 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 |
Common questions
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Nearby places
- Menlo, IA — population 343
- Dexter, IA — population 629
- Linden, IA — population 203
- Redfield, IA — population 719
- Earlham, IA — population 1,413
- Panora, IA — population 1,083
- Casey, IA — population 385
- Greenfield, IA — population 2,033