Marquette at a glance
- Population: about 432 residents, ranking 469th of 940 Census places in Iowa (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 429 (US Census Bureau).
- 2020 to 2023 change: up about 0.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Iowa places: 469th in population of 940 places (US Census Bureau).
- Size percentile: it is larger than about 50% of the places in Iowa (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 43.0431, -91.1925.
- Nearest larger cities: McGregor, IA (1 mi); Prairie du Chien, WI (3 mi); Monona, IA (10 mi); Garnavillo, IA (12 mi); Wauzeka, WI (15 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Clayton, IA (10 mi); Farmersburg, IA (11 mi); Bagley, WI (11 mi) — US Census Bureau populations.
What a personal loan costs in Marquette
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Iowa lending rules that apply in Marquette
The table lists the Iowa rules that apply to a loan made in Marquette, each with the regulator that published it.
| 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 Marquette
A few practical steps will make the process in Marquette less costly:
- 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.