Keota at a glance
- Population: 893 people, the 308th-largest place among Iowa's 940 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 896 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 0.3% below the 2020 Census base (US Census Bureau).
- Rank among Iowa places: the 308th-largest of 940 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 67% of Iowa's Census places by population (US Census Bureau).
- Coordinates: 41.3651 latitude, -91.9533 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Wellman, IA (9 mi); North English, IA (12 mi); Sigourney, IA (13 mi); Washington, IA (14 mi); Kalona, IA (16 mi); US Census Bureau population estimates.
- Smaller places nearby: Harper, IA (5 mi); Kinross, IA (7 mi); West Chester, IA (7 mi), per US Census Bureau estimates.
What a personal loan costs in Keota
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Keota
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 |
|---|---|---|
| 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 Keota
Before you commit to a personal loan in Keota, 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.