Hawarden at a glance
- Population: a Census-estimated 2,644, placing it 135th among Iowa's 940 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 2,699 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 2.0% below the 2020 Census base (US Census Bureau).
- Rank among Iowa places: the 135th-largest of 940 (US Census Bureau, 2023 estimate).
- Size percentile: about 86% of Iowa's Census places are smaller (US Census Bureau).
- Coordinates: 43.0013 / -96.4829, per the US Census Bureau Gazetteer.
- Nearest larger cities: Sioux Center, IA (17 mi); Rock Valley, IA (17 mi); Canton, SD (21 mi); Orange City, IA (22 mi); Le Mars, IA (22 mi); each population is a US Census Bureau estimate.
- Smaller places close by: Chatsworth, IA (6 mi); Alcester, SD (7 mi); Ireton, IA (8 mi) (US Census Bureau).
What a personal loan costs in Hawarden
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.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
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 Hawarden
The sourced rows below are the rules a licensed lender must follow when lending in Iowa, and therefore in Hawarden.
| 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 |
| 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 |
How to compare offers in Hawarden
Before you commit to a personal loan in Hawarden, 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.