Schleswig at a glance
- Population: 803, the 329th-largest community in Iowa out of 940 (US Census Bureau, Vintage 2023).
- 2020 Census base: 832 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down about 3.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Iowa places: 329th of 940 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 65% of the places in Iowa (US Census Bureau).
- Coordinates: 42.1610 latitude, -95.4346 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Denison, IA (11 mi); Ida Grove, IA (13 mi); Odebolt, IA (14 mi); Mapleton, IA (18 mi); Lake View, IA (23 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Kiron, IA (6 mi); Deloit, IA (7 mi); Ricketts, IA (8 mi) (Census populations).
What a personal loan costs in Schleswig
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Iowa lending rules that apply in Schleswig
Read the table as the compliance picture for a lender serving Schleswig: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Schleswig
The steps below are worth completing first when you borrow in Schleswig:
- 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.