Personal loans in Bassett, IA

Bassett shed about 2.3% of its population between the 2020 base and the 2023 estimate. The first question in Bassett is not the rate on offer but whether the payment fits; about 42 people live here under Iowa lending law.

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.

The Census counts 42 people in Bassett, the 907th-largest figure among Iowa's 940 places. The nearest larger metro is Ionia, IA about 3 miles away. Which products a lender may offer to Bassett's 42 residents follows from the Iowa consumer-lending framework. Read the disclosure for an origination fee and any prepayment penalty before signing in Bassett.

What the Census records for Bassett

Only a few things actually differ by place — population, area, location, and the Iowa rules a lender must follow — and they are below.

A practical checklist for Bassett borrowers

Complete these steps first when you borrow in Bassett (42 residents):

  1. Get your credit reports, dispute what is wrong, and only then start shopping.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Shop at least three lenders and judge them on APR and total cost.
  4. Make sure the lender appears in the Iowa regulator's licence list.
  5. Borrow only what the purpose requires, not the maximum you are offered.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

In Bassett as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 42 residents.

What Iowa law requires in Bassett

This table holds the Iowa rate and licensing rules for consumer loans made to Bassett's 42 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

How Bassett compares across Iowa

Set beside Iowa's 940 places, Bassett ranks 907th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 708th of 940 Iowa places, putting it near the 25th percentile for growth. At about 107 people per square mile, Bassett is the 897th most densely settled place in Iowa. Within 50 miles sit 1 smaller Census places, alongside the 125 that are larger.

The geography behind Bassett

Bassett covers about 0.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 42 residents, the land area yields roughly 107 people per square mile. The state's population centre of gravity, Des Moines, is roughly 117 miles away. Within 50 miles of Bassett there are 125 larger Census places. By land area it ranks 727th of 940 Iowa places.

How lenders reach Bassett

With about 107 residents per square mile, Bassett is lightly settled, and 125 larger Census places sit within 50 miles. Lenders licensed in Iowa reach Bassett's 42 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Ionia, IA about 3 miles away.

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 Bassett 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 Bassett is the same as anywhere in Iowa.
What loan size can I expect in Bassett?
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 Bassett?
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 Bassett 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

Related