Missouri Valley at a glance
- Population: 2,656 people, the 134th-largest place among Iowa's 940 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,683 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down about 1.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Iowa places: 134th largest of 940 (US Census Bureau).
- Size percentile: about 86% of Iowa's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 41.5593, -95.9026 by the US Census Bureau Gazetteer.
- Nearest larger cities: Blair, NE (12 mi); Carter Lake, IA (19 mi); Omaha, NE (22 mi); Council Bluffs, IA (22 mi); Ralston, NE (26 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Modale, IA (7 mi); Logan, IA (8 mi); Magnolia, IA (9 mi) (US Census Bureau estimates).
What a personal loan costs in Missouri Valley
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Missouri Valley
Read the table as the compliance picture for a lender serving Missouri Valley: label, sourced figure, publisher and date.
| 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 Missouri Valley
Before you share your details with a lender in Missouri Valley:
- 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.