Personal loans in Farmersburg, IA

The 2020 count to the 2023 estimate shows about 2.2% decline in Farmersburg. If you are weighing a personal loan in Farmersburg, start from the payment you can carry; its 266 residents face the same statewide rules.

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.

At about 266 residents, Farmersburg is larger than roughly 38% of the places in Iowa. A larger market lies at Monona, IA about 6 miles away. For the 266 people in Farmersburg, Iowa runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Verify the lender's Iowa licence against the regulator named below before borrowing in Farmersburg.

Farmersburg: the sourced local profile

Here is the sourced Census picture for Farmersburg, plus the Iowa lending rules that apply to a loan taken out here.

What is available to Farmersburg borrowers

At roughly 654 people per square mile, Farmersburg is moderately settled; 88 larger places lie within 50 miles. A Iowa licence lets a lender serve Farmersburg without a local office, so branch density does not change what its 266 residents are offered. The nearest larger city, Monona, IA about 6 miles away.

The geography behind Farmersburg

Farmersburg's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 654 residents per square mile. For the state's biggest city, Des Moines, the distance is roughly 149 miles. Within 50 miles of Farmersburg there are 88 larger Census places. The 100-mile radius contains 376 larger places.

Before you apply in Farmersburg

Complete these steps first when you borrow in Farmersburg (266 residents):

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Confirm the Iowa licence with the regulator named above before committing.
  5. Check that the monthly payment fits your budget next to your existing obligations.
  6. Pick the shortest term whose payment you can comfortably afford.
  7. Borrow only what the purpose requires, not the maximum you are offered.

What differs between Farmersburg and the rest of Iowa is not the process but the borrower's own file, among the 266 people here.

How Farmersburg compares across Iowa

Set beside Iowa's 940 places, Farmersburg ranks 587th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Farmersburg ranks 678th of 940 in Iowa (about the 28th percentile). At about 654 people per square mile, Farmersburg is the 489th most densely settled place in Iowa. In land area, Farmersburg ranks 717th among Iowa's 940 places.

The Iowa lending rules that reach Farmersburg

Read the table as a lender's compliance picture for Farmersburg: 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

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

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