Mapleton at a glance
- Population: 1,124 residents, the 253rd-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,163 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population fell about 3.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Iowa places: 253rd-largest of 940 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 73% of places in Iowa are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 42.1673, -95.7909.
- Nearest larger cities within 120 miles: Onawa, IA (18 mi); Ida Grove, IA (20 mi); Denison, IA (25 mi); Holstein, IA (25 mi); Moville, IA (26 mi) (US Census Bureau).
- Nearest smaller towns: Danbury, IA (6 mi); Smithland, IA (8 mi); Rodney, IA (9 mi) (US Census Bureau).
What a personal loan costs in Mapleton
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Mapleton
The table lists the Iowa rules that apply to a loan made in Mapleton, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Mapleton
Run through this list before signing anything in Mapleton:
- 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.