Humeston at a glance
- Population: roughly 470 people; 454th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 465 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population rose about 1.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Iowa places: 454th largest of 940 (US Census Bureau).
- Size percentile: larger than about 52% of the Census places in Iowa (US Census Bureau).
- Coordinates: it sits at 40.8607, -93.4973 in the US Census Bureau Gazetteer.
- Nearest larger cities: Corydon, IA (12 mi); Chariton, IA (15 mi); Leon, IA (16 mi); Russell, IA (18 mi); Osceola, IA (19 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Le Roy, IA (5 mi); Derby, IA (5 mi); Garden Grove, IA (6 mi), each a US Census place.
What a personal loan costs in Humeston
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Iowa lending rules that apply in Humeston
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Humeston
The order below is a sensible way to approach a loan in Humeston:
- 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.