Rickardsville at a glance
- Population: a Census-estimated 203, placing it 661st among Iowa's 940 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 206 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a decline of roughly 1.5% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Iowa places: 661st of the state's 940 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 30% of Iowa's Census places by population (US Census Bureau).
- Coordinates: latitude 42.5816, longitude -90.8763 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Holy Cross, IA (6 mi); Asbury, IA (7 mi); Peosta, IA (9 mi); Epworth, IA (10 mi); Luxemburg, IA (10 mi) (US Census Bureau).
- Nearest smaller towns: Balltown, IA (4 mi); Sherrill, IA (5 mi); Durango, IA (5 mi) — US Census Bureau populations.
What a personal loan costs in Rickardsville
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Iowa lending rules that apply in Rickardsville
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Rickardsville
Before you commit to a personal loan in Rickardsville, work through these steps:
- 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.