Personal loans in Gillett Grove, IA

By population, Gillett Grove sits at 921st in Iowa, with an estimated 32 residents. The first question in Gillett Grove is not the rate on offer but whether the payment fits; about 32 people live here under Iowa lending law.

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

Compare loan offers Run the numbers first

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.

Pull your credit reports and line up at least three offers before you apply from Gillett Grove. State law, not city hall, decides what a lender may do to Gillett Grove's roughly 32 residents, and a state regulator supervises it. For practical purposes, Gillett Grove's population was stable from the 2020 base to the 2023 estimate. The nearest larger metro is Webb, IA about 5 miles away.

What the Census records for Gillett Grove

What follows is Gillett Grove's place in the Census record, alongside the Iowa rules that govern a personal loan made here.

The state rulebook for Gillett Grove

When Iowa does not publish a figure, the row links to the source instead of inventing a number; Gillett Grove is bound by the same rules.

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

Gillett Grove's place among Iowa's 940 places

Among Iowa's 940 places, Gillett Grove sits at 921st for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 282nd of 940 Iowa places, putting it near the 70th percentile for growth. Its roughly 144 residents per square mile place it 868th among Iowa's places. Within 50 miles sit 3 smaller Census places, alongside the 118 that are larger.

Where Gillett Grove sits

The Census Gazetteer records about 0.2 square miles of land within Gillett Grove, with no significant water area listed. The resulting density is about 144 people per square mile. The state's population centre of gravity, Des Moines, is roughly 124 miles away. A 50-mile radius around Gillett Grove takes in 118 places that are larger. By land area it ranks 857th of 940 Iowa places.

Inside a Gillett Grove personal loan

A Gillett Grove personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 32 residents. Federal Truth in Lending rules require a Gillett Grove lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Gillett Grove loan but raises total interest, so the smallest payment is not the cheapest loan.

Borrowing reach in Gillett Grove

At roughly 144 people per square mile, Gillett Grove is lightly settled; 118 larger places lie within 50 miles. What is available to Gillett Grove's 32 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Webb, IA about 5 miles away.

Compare personal loan offers Run the numbers first

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