Woodbine at a glance
- Population: 1,718 — 184th in Iowa, which has 940 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,630 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 5.4% more residents than the 2020 Census base (US Census Bureau).
- Rank among Iowa places: 184th of the state's 940 Census places (US Census Bureau).
- Size percentile: it is larger than about 80% of the places in Iowa (US Census Bureau).
- Coordinates: 41.7363, -95.7111 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Missouri Valley, IA (16 mi); Harlan, IA (21 mi); Blair, NE (26 mi); Denison, IA (27 mi); Onawa, IA (28 mi); US Census Bureau population estimates.
- Nearest smaller communities: Logan, IA (7 mi); Magnolia, IA (9 mi); Dunlap, IA (10 mi), each a US Census place.
What a personal loan costs in Woodbine
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Iowa lending rules that apply in Woodbine
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 |
|---|---|---|
| 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 Woodbine
A few practical steps will make the process in Woodbine 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.