Holstein at a glance
- Population: roughly 1,475 people; 211th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,499 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down about 1.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Iowa places: 211th out of 940 Census places (US Census Bureau).
- Size percentile: about 78% of Iowa's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 42.4871, -95.5429 by the US Census Bureau Gazetteer.
- Nearest larger cities: Ida Grove, IA (11 mi); Alta, IA (18 mi); Cherokee, IA (18 mi); Storm Lake, IA (21 mi); Moville, IA (27 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Galva, IA (6 mi); Cushing, IA (7 mi); Washta, IA (11 mi), each a US Census place.
What a personal loan costs in Holstein
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
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.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Iowa lending rules that apply in Holstein
The table carries the Iowa rate and licensing rules that apply to consumer loans made in Holstein.
| 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 Holstein
Before you share your details with a lender in Holstein:
- 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.