Little Sioux at a glance
- Population: a Census-estimated 170, placing it 707th among Iowa's 940 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 167 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 1.8% more residents than the 2020 Census base (US Census Bureau).
- Rank among Iowa places: 707th-largest of 940 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: ahead of around 25% of Iowa places in population terms (US Census Bureau).
- Coordinates: 41.8082, -96.0274 (US Census Bureau Gazetteer).
- Nearest larger cities: Pisgah, IA (5 mi); Mondamin, IA (7 mi); Blencoe, IA (9 mi); Tekamah, NE (10 mi); Magnolia, IA (11 mi); US Census Bureau population estimates.
- Nearest smaller places: Turin, IA (15 mi); Castana, IA (19 mi); Rodney, IA (28 mi) (US Census Bureau estimates).
What a personal loan costs in Little Sioux
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Iowa lending rules that apply in Little Sioux
The sourced rows below are the rules a licensed lender must follow when lending in Iowa, and therefore in Little Sioux.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Little Sioux
These steps are the ones that most affect the offer you receive in Little Sioux:
- 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.