Hastings at a glance
- Population: roughly 157 people; 723rd of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 156 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 0.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Iowa places: the 723rd-largest of 940 (US Census Bureau, 2023 estimate).
- Size percentile: about 23% of places in Iowa are smaller (US Census Bureau).
- Coordinates: 41.0252, -95.4947 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Emerson, IA (5 mi); Malvern, IA (5 mi); Silver City, IA (10 mi); Randolph, IA (11 mi); Macedonia, IA (12 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Henderson, IA (9 mi); Imogene, IA (11 mi); Coburg, IA (14 mi), each a US Census place.
What a personal loan costs in Hastings
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Iowa lending rules that apply in Hastings
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Hastings
Before you share your details with a lender in Hastings:
- 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.