Dunkerton at a glance
- Population: 832, the 324th-largest community in Iowa out of 940 (US Census Bureau, Vintage 2023).
- 2020 Census base: 838 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: down roughly 0.7% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Iowa places: the 324th-largest of 940 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 66% of Iowa's places have fewer residents (US Census Bureau).
- Coordinates: latitude 42.5685, longitude -92.1600 (US Census Bureau Gazetteer).
- Nearest larger cities: Fairbank, IA (8 mi); Jesup, IA (8 mi); Elk Run Heights, IA (8 mi); Evansdale, IA (9 mi); Readlyn, IA (10 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Raymond, IA (8 mi); Gilbertville, IA (11 mi); Hazleton, IA (13 mi) — US Census Bureau populations.
What a personal loan costs in Dunkerton
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Iowa lending rules that apply in Dunkerton
The sourced rows below are the rules a licensed lender must follow when lending in Iowa, and therefore in Dunkerton.
| 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 |
How to compare offers in Dunkerton
Here is a short checklist for comparing personal loans in Dunkerton:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Iowa using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.