Personal loans in Dunlap, IA

About 1,035 people live in Dunlap, placing it 271st of 940 Census places in Iowa. A personal loan in Dunlap is priced from your credit file and income, not from the fact that the city holds 1,035 people.

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.

Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Dunlap loan. A single loan can carry different costs on either side of a state line, and Dunlap sits on the Iowa side of that line. Population in Dunlap dropped about 0.6% over the three years from 2020 to 2023. Borrowers who want a bigger city can look to Woodbine, IA about 10 miles away.

Where Dunlap stands

The figures below are Dunlap's own — Census population, land area and coordinates — followed by the Iowa rules.

Land, water and location for Dunlap

Dunlap covers about 1.2 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). That land carries about 829 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 105 miles. Counting outward 50 miles, 29 larger communities surround Dunlap. By land area it ranks 307th of 940 Iowa places.

Iowa consumer-lending rules applied in Dunlap

Every row below records a Iowa rule, its publisher and its retrieval date — the same rules a Dunlap lender must follow.

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

Dunlap in state context

Among Iowa's 940 places, Dunlap sits at 271st for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Dunlap ranks 354th of 940 in Iowa (about the 62th percentile). Its roughly 829 residents per square mile place it 366th among Iowa's places. In land area, Dunlap ranks 307th among Iowa's 940 places.

Borrowing reach in Dunlap

At roughly 829 people per square mile, Dunlap is moderately settled; 29 larger places lie within 50 miles. Distance to a branch rarely matters for Dunlap's 1,035 residents: the application is online and the price follows your credit file. The nearest bigger place is Woodbine, IA about 10 miles away.

What shapes a Dunlap personal loan

With roughly 1,035 residents, Dunlap 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 Dunlap can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Dunlap 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 Dunlap 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 Dunlap is the same as anywhere in Iowa.
What loan size can I expect in Dunlap?
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 Dunlap?
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 Dunlap 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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