Personal loans in Atalissa, IA

Atalissa is a small community in Iowa, with an estimated 287 residents, and every licensed lender here follows the same state rulebook. A 2020-to-2023 comparison shows Atalissa down by about 3.4%.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Roughly 287 residents live in Atalissa, the 571st-largest community in Iowa. Decide the purpose of the loan and your repayment plan before sharing any details with a Atalissa lender. Rate ceilings, licensing requirements and product limits for Atalissa are all set at the Iowa level. The closest larger city is West Liberty, IA about 5 miles away.

Atalissa: the sourced local profile

Set out below is Atalissa's local context next to the state-level rules that reach every lender here.

Borrowing reach in Atalissa

At roughly 2,065 people per square mile, Atalissa is fairly dense; 117 larger places lie within 50 miles. Lenders licensed in Iowa reach Atalissa's 287 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is West Liberty, IA about 5 miles away.

How Atalissa compares across Iowa

Among Iowa's 940 places, Atalissa sits at 571st for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Atalissa stands 867th among Iowa's 940 places — roughly the 8th percentile. Its roughly 2,065 residents per square mile place it 21st among Iowa's places. In land area, Atalissa ranks 899th among Iowa's 940 places.

The state rulebook for Atalissa

This table holds the Iowa rate and licensing rules for consumer loans made to Atalissa's 287 residents.

RuleDetailSource
State lending regulatorIowa 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
Payday lending statusPermitted 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 licensingRegulated 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

Where Atalissa sits

Inside Atalissa's boundaries lie about 0.1 square miles of land, with no significant water area recorded. That land carries about 2,065 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 126 miles. Atalissa has 117 larger places within a 50-mile radius. The 100-mile radius contains 381 larger places.

Inside a Atalissa personal loan

A Atalissa personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 287 residents. A lender serving Atalissa's 287 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Atalissa loan but raises total interest, so the smallest payment is not the cheapest loan.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Atalissa if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Atalissa is the same as anywhere in Iowa.
What loan size can I expect in Atalissa?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Atalissa?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Atalissa cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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