Van Horne at a glance
- Population: a Census-estimated 769, placing it 337th among Iowa's 940 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 772 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down roughly 0.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Iowa places: 337th by size among 940 communities (US Census Bureau).
- Size percentile: about 64% of places in Iowa are smaller (US Census Bureau).
- Coordinates: mapped at 42.0083, -92.0897 by the US Census Bureau Gazetteer.
- Nearest larger cities: Newhall, IA (6 mi); Vinton, IA (11 mi); Atkins, IA (12 mi); Belle Plaine, IA (12 mi); Shellsburg, IA (13 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Keystone, IA (6 mi); Blairstown, IA (7 mi); Luzerne, IA (8 mi) — US Census Bureau populations.
What a personal loan costs in Van Horne
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Van Horne
The sourced rows below are the rules a licensed lender must follow when lending in Iowa, and therefore in Van Horne.
| 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 Van Horne
A few practical steps will make the process in Van Horne 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.