Hubbard at a glance
- Population: roughly 837 people; 323rd of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 861 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 2.8% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Iowa places: 323rd by size among 940 communities (US Census Bureau).
- Size percentile: about 66% of Iowa's Census places are smaller (US Census Bureau).
- Coordinates: 42.3058, -93.3017 (US Census Bureau Gazetteer).
- Nearest larger cities: Eldora, IA (11 mi); Roland, IA (14 mi); Iowa Falls, IA (15 mi); Story City, IA (17 mi); Jewell Junction, IA (17 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: Radcliffe, IA (7 mi); New Providence, IA (7 mi); Buckeye, IA (9 mi) (US Census Bureau).
What a personal loan costs in Hubbard
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Iowa lending rules that apply in Hubbard
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Hubbard
Run through this list before signing anything in Hubbard:
- 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.