Kingsley at a glance
- Population: 1,391 — 219th in Iowa, which has 940 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,404 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a decline of roughly 0.9% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Iowa places: 219th largest of 940 (US Census Bureau).
- Size percentile: roughly 77% of Iowa's places have fewer residents (US Census Bureau).
- Coordinates: 42.5864, -95.9679 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Moville, IA (8 mi); Remsen, IA (16 mi); Le Mars, IA (17 mi); Sioux City, IA (22 mi); Holstein, IA (23 mi) (US Census Bureau populations).
- Nearest smaller places: Pierson, IA (6 mi); Correctionville, IA (12 mi); Washta, IA (13 mi) (US Census Bureau estimates).
What a personal loan costs in Kingsley
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Iowa lending rules that apply in Kingsley
Read the table as the compliance picture for a lender serving Kingsley: label, sourced figure, publisher and date.
| 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 Kingsley
Before you share your details with a lender in Kingsley:
- 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.