Winthrop at a glance
- Population: 818 — 326th in Iowa, which has 940 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 822 (US Census Bureau).
- 2020 to 2023 change: about 0.5% lower than the 2020 Census base (US Census Bureau).
- Rank among Iowa places: the 326th-largest of 940 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 65% of the places in Iowa (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 42.4708, -91.7374.
- Nearest larger cities: Independence, IA (8 mi); Manchester, IA (14 mi); Oelwein, IA (16 mi); Jesup, IA (17 mi); Strawberry Point, IA (18 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Quasqueton, IA (5 mi); Masonville, IA (7 mi); Rowley, IA (9 mi) (US Census Bureau).
What a personal loan costs in Winthrop
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Winthrop
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Winthrop
These steps are the ones that most affect the offer you receive in Winthrop:
- 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.