Havelock at a glance
- Population: 125 — 779th in Iowa, which has 940 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 128 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a decline of roughly 2.3% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Iowa places: 779th of 940 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 17% of places in Iowa rank below it by population (US Census Bureau).
- Coordinates: 42.8330, -94.7010 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Pocahontas, IA (7 mi); Mallard, IA (7 mi); Laurens, IA (8 mi); Rolfe, IA (9 mi); Albert City, IA (13 mi) (US Census Bureau populations).
- Nearest smaller communities: Plover, IA (5 mi); Curlew, IA (10 mi); Bradgate, IA (14 mi), each a US Census place.
What a personal loan costs in Havelock
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Iowa lending rules that apply in Havelock
The sourced rows below are the rules a licensed lender must follow when lending in Iowa, and therefore in Havelock.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Havelock
Before you commit to a personal loan in Havelock, work through these steps:
- 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.