Personal loans in Granville, IA

State law, not city hall, decides what a lender may do to Granville's roughly 303 residents, and a state regulator supervises it. The roughly 303 people who live in Granville borrow under Iowa rules; city hall sets no personal-loan rate. Granville is one of 940 Census places in Iowa; its 303 residents put it at 561st. A 2020-to-2023 comparison shows Granville down by about 2.6%. Verify the lender's Iowa licence against the regulator named below before borrowing in Granville. The nearest larger metro is Hospers, IA about 6 miles away.

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.

Where Granville stands

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

The state rulebook for Granville

Iowa has no separate rate rule for Granville; the sourced rows below are what reach every lender that serves its 303 people.

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
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
Maximum legal interest rate (usury cap)2 percentage points above the monthly average 10-year U.S. Treasury constant maturity rate (written agreements)
Source says: "The maximum lawful rate of interest ... in any written agreement ... shall be two percentage points above the monthly average ten-year constant maturity interest rate".
Iowa Legislature (Iowa Code)
as of 2026-09-16

What a Granville borrower is actually offered

With roughly 303 residents, Granville is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Granville loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Granville loan is knowable in advance — unlike a revolving card balance.

The geography behind Granville

Granville's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. That land carries about 1,041 people per square mile. The largest place in Iowa, Des Moines, lies about 151 miles away. A 50-mile radius around Granville takes in 78 places that are larger. Within the same 50 miles lie 36 smaller Census places.

How lenders reach Granville

Granville is moderately settled, with about 1,041 people per square mile and 78 larger places within 50 miles. A Iowa licence lets a lender serve Granville without a local office, so branch density does not change what its 303 residents are offered. For a larger market, the closest option is Hospers, IA about 6 miles away.

Granville in state context

Granville is the 561st-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 751st of 940 Iowa places, putting it near the 20th percentile for growth. Its roughly 1,041 residents per square mile place it 244th among Iowa's places. Between 2020 and 2023 the count changed by roughly 8 residents.

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