Robins at a glance
- Population: roughly 3,312 people; 115th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 3,363 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 1.5% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Iowa places: 115th of the state's 940 Census places (US Census Bureau).
- Size percentile: ahead of around 88% of Iowa places in population terms (US Census Bureau).
- Coordinates: latitude 42.0787, longitude -91.6740 (US Census Bureau Gazetteer).
- Nearest larger cities: Hiawatha, IA (2 mi); Marion, IA (5 mi); Cedar Rapids, IA (8 mi); Mount Vernon, IA (17 mi); Vinton, IA (19 mi), each a US Census place with its estimated population.
- Smaller places nearby: Alburnett, IA (6 mi); Palo, IA (7 mi); Center Point, IA (9 mi), per US Census Bureau estimates.
What a personal loan costs in Robins
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Robins
Each row below is a Iowa rule with its publisher and the date it was retrieved.
| 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 Robins
A few practical steps will make the process in Robins 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.