Ireton at a glance
- Population: 578 — 417th in Iowa, which has 940 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 588 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 1.7% lower than the 2020 Census base (US Census Bureau).
- Rank among Iowa places: the 417th-largest of 940 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 56% of places in Iowa rank below it by population (US Census Bureau).
- Coordinates: 42.9749, -96.3216 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Hawarden, IA (8 mi); Sioux Center, IA (10 mi); Orange City, IA (14 mi); Le Mars, IA (15 mi); Akron, IA (16 mi) (US Census Bureau populations).
- Nearest smaller communities: Craig, IA (6 mi); Maurice, IA (7 mi); Struble, IA (9 mi), each a US Census place.
What a personal loan costs in Ireton
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
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 Ireton
The table carries the Iowa rate and licensing rules that apply to consumer loans made in Ireton.
| 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 Ireton
Here is a short checklist for comparing personal loans in Ireton:
- 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.