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.
Where Granville stands
What follows is Granville's place in the Census record, alongside the Iowa rules that govern a personal loan made here.
- Population: a Census-estimated 303, 561st among Iowa's 940 places (Vintage 2023).
- Population trend: About 2.6% below the 2020 Census base.
- People gained or lost: about 8 fewer since the 2020 base.
- Size percentile: with 303 residents, Granville is larger than about 40% of Iowa's Census places.
- Land and density: 0.3 square miles of land carry roughly 1,041 residents per square mile.
- Land area rank: Granville's 0.3 square miles rank 798th of 940 places in Iowa.
- Share of state population: Granville's 303 residents are about 0.0% of Iowa.
- National standing: Granville ranks 15,094th of 19,457 US places.
- Growth rank: Granville ranks 751st among Iowa's 940 places for the 2020-to-2023 change.
- Against the state trend: Granville's 2.6% change compares with a Iowa average of -0.7% across its 940 places.
- Density in Iowa: Granville ranks 244th by people per square mile.
- Density vs Iowa: Granville's 1,041 people per square mile compare with a state median of 672.
- Location: 42.9853 / -95.8750, per the US Census Bureau Gazetteer.
- Nearest larger cities: Hospers (6 mi); Alton (7 mi); Orange City (9 mi); Paullina (10 mi); Marcus (12 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Archer (11 mi); Cleghorn (14 mi); Oyens (15 mi).
- Smaller places within 50 miles: 36 of them.
- Larger places within 100 miles: 248.
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.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Iowa 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 cap | Fee 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.
Common questions
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Nearby places
- Hospers, IA — population 706
- Alton, IA — population 1,243
- Marcus, IA — population 1,060
- Orange City, IA — population 6,397
- Archer, IA — population 114
- Paullina, IA — population 968
- Remsen, IA — population 1,682
- Sheldon, IA — population 5,422