Oxford Junction at a glance
- Population: 424 residents, the 476th-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
- 2020 Census base: 427 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a decline of roughly 0.7% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Iowa places: 476th by size among 940 communities (US Census Bureau).
- Size percentile: about 49% of Iowa's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 41.9837, -90.9543.
- Nearest larger cities within 120 miles: Wyoming, IA (6 mi); Clarence, IA (9 mi); Lowden, IA (9 mi); Olin, IA (10 mi); Stanwood, IA (12 mi) (US Census Bureau).
- Smaller places nearby: Lost Nation, IA (7 mi); Toronto, IA (7 mi); Monmouth, IA (7 mi), per US Census Bureau estimates.
What a personal loan costs in Oxford Junction
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Iowa lending rules that apply in Oxford Junction
The Iowa rate caps and licensing rules that reach Oxford Junction are listed below, each with its source and retrieval date.
| 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 Oxford Junction
Here is a short checklist for comparing personal loans in Oxford Junction:
- 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.