Personal loans in Cantril, IA

A personal loan in Cantril is priced from your credit file and income, not from the fact that the city holds 225 people. Pull your credit reports and line up at least three offers before you apply from Cantril.

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.

About 225 people live in Cantril, placing it 636th of 940 Census places in Iowa. A lender that serves Cantril operates under Iowa lending statutes and a Iowa supervisor. From the 2020 Census base to the 2023 estimate, the population rose by about 0.9%. The closest larger place is Milton, IA about 5 miles away.

Local context for Cantril

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

Land, water and location for Cantril

Cantril covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 225 residents, the land area yields roughly 435 people per square mile. The state's population centre of gravity, Des Moines, is roughly 103 miles away. Cantril has 65 larger places within a 50-mile radius. By land area it ranks 642nd of 940 Iowa places.

Where Cantril sits in Iowa

Among Iowa's 940 places, Cantril sits at 636th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 157th of 940 Iowa places, putting it near the 83th percentile for growth. Its roughly 435 residents per square mile place it 643rd among Iowa's places. The population moved by about 2 people between 2020 and 2023, a 0.9% shift.

What shapes a Cantril personal loan

With roughly 225 residents, Cantril is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Cantril can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Cantril loan is knowable in advance — unlike a revolving card balance.

Iowa rules behind a Cantril personal loan

Read the table as a lender's compliance picture for Cantril: the rule, the sourced figure, the publisher and the date.

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
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
Delayed deposit fee capFee 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

Lender access in Cantril

Cantril is lightly settled, with about 435 people per square mile and 65 larger places within 50 miles. A Iowa licence lets a lender serve Cantril without a local office, so branch density does not change what its 225 residents are offered. The nearest bigger place is Milton, IA about 5 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 Cantril 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 Cantril is the same as anywhere in Iowa.
What loan size can I expect in Cantril?
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 Cantril?
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 Cantril 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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