Ogden at a glance
- Population: about 1,963, 173rd by size in Iowa of 940 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 2,010 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down about 2.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Iowa places: the 173rd-largest of 940 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 82% of Iowa's Census places by population (US Census Bureau).
- Coordinates: 42.0395, -94.0283 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Boone, IA (8 mi); Perry, IA (14 mi); Madrid, IA (16 mi); Jefferson, IA (18 mi); Ames, IA (21 mi) (US Census Bureau populations).
- Smaller places nearby: Beaver, IA (6 mi); Fraser, IA (7 mi); Berkley, IA (8 mi), per US Census Bureau estimates.
What a personal loan costs in Ogden
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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.
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 Ogden
The sourced rows below are the rules a licensed lender must follow when lending in Iowa, and therefore in Ogden.
| 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 Ogden
The steps below are worth completing first when you borrow in Ogden:
- 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.