Personal loans in Holstein, IA
For a borrower among the roughly 1,475 residents of Holstein, a personal loan is a tool whose cost turns on the terms, not the address. Read the disclosure for an origination fee and any prepayment penalty before signing in Holstein.
Holstein ranks 211th of 940 places in Iowa, with a population near 1,475. Lenders active in Holstein report to a Iowa supervisor, identified in the sourced rows below. Holstein shed about 1.6% of its population between the 2020 base and the 2023 estimate. For a bigger market, look to Ida Grove, IA about 11 miles away.
The Holstein data picture
The figures below are Holstein's own — Census population, land area and coordinates — followed by the Iowa rules.
- Population: a Census-estimated 1,475, 211th among Iowa's 940 places (Vintage 2023).
- Population trend: About 1.6% below the 2020 Census base.
- Absolute change: 24 residents lost between 2020 and 2023.
- Size percentile: roughly 78% of Iowa's places have fewer residents than Holstein's 1,475.
- Density: roughly 935 residents per square mile, spread over 1.6 sq mi of land.
- Land area: Holstein covers 1.6 square miles, the 257th-largest area among Iowa's 940 places.
- Share of state population: Holstein's 1,475 residents are about 0.1% of Iowa.
- National rank: Holstein is 8,740th of 19,457 places nationwide.
- Growth rank: Holstein's 2020-to-2023 change ranks 560th of 940 places in Iowa.
- Versus Iowa: the state average change is -0.7%, while Holstein moved 1.6%.
- Density in Iowa: Holstein ranks 300th by people per square mile.
- Density in context: Holstein's 935 people per square mile sit against a Iowa median of 672.
- Location: mapped by the US Census Bureau at 42.4871, -95.5429.
- Nearest larger cities: Ida Grove (11 mi); Alta (18 mi); Cherokee (18 mi); Storm Lake (21 mi); Moville (27 mi). Online lenders reach Holstein no matter how far the nearest branch is.
- Nearest smaller places: Galva (6 mi); Cushing (7 mi); Washta (11 mi).
- Smaller places within 50 miles: 104 of them.
- Larger places within 100 miles: 93.
Holstein against the rest of Iowa
Against Iowa's other places, Holstein accounts for about 0.1% of the state's population and ranks 211th of 940 by size. For population change between 2020 and 2023, Holstein ranks 560th of 940 in Iowa (about the 40th percentile). By density, at about 935 people per square mile, it ranks 300th in Iowa. Between 2020 and 2023 the count changed by roughly 24 residents.
Lender access in Holstein
With about 935 residents per square mile, Holstein is moderately settled, and 22 larger Census places sit within 50 miles. What is available to Holstein's 1,475 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Ida Grove, IA about 11 miles away.
How personal loans work in Holstein
With roughly 1,475 residents, Holstein is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Holstein's 1,475 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Holstein decides the split between a comfortable payment and the total interest you pay.
Holstein on the map
The Census Gazetteer records about 1.6 square miles of land within Holstein, with no significant water area listed. With 1,475 residents, the land area yields roughly 935 people per square mile. The largest place in Iowa, Des Moines, lies about 118 miles away. Counting outward 50 miles, 22 larger communities surround Holstein. The 100-mile radius contains 93 larger places.
The Iowa lending rules that reach Holstein
Iowa has no separate rate rule for Holstein; the sourced rows below are what reach every lender that serves its 1,475 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 |
| 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 |
| Payday lending status | Permitted 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 |
Common questions
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Nearby places
- Galva, IA — population 417
- Cushing, IA — population 223
- Ida Grove, IA — population 1,990
- Quimby, IA — population 246
- Battle Creek, IA — population 685
- Washta, IA — population 205
- Correctionville, IA — population 746
- Schaller, IA — population 717