Personal loans in Holy Cross, IA

An estimated 348 people make their home in Holy Cross, a figure that ranks 529th in Iowa. The trend for Holy Cross between 2020 and 2023 is downward by roughly 3.3%.

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

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Holy Cross is a small community in Iowa, with an estimated 348 residents, and every licensed lender here follows the same state rulebook. Every figure below is Iowa's own, applied to Holy Cross's 348 residents, with the publisher and retrieval date attached. Begin with the payment, then weigh APR and total interest across the lenders that reach Holy Cross's 348 residents. The next larger city is New Vienna, IA about 7 miles away.

Holy Cross by the numbers

The figures below are Holy Cross's own — Census population, land area and coordinates — followed by the Iowa rules.

Population: 348 people, a figure that places Holy Cross 529th among the 940 Census places in Iowa (US Census Bureau, Vintage 2023).
Population trend: The 2020-to-2023 change is negative, near 3.3%.
Change in people: the 2020-to-2023 comparison is a loss of about 12 residents.
Size percentile: about 44% of Iowa's Census places are smaller than Holy Cross.
Density: roughly 1,061 residents per square mile, spread over 0.3 sq mi of land.
By land area: Holy Cross ranks 772nd among Iowa's 940 places, at 0.3 sq mi.
State share: roughly 0.0% of Iowa's residents live in Holy Cross (348 people).
National standing: Holy Cross ranks 14,610th of 19,457 US places.
Growth in Iowa: Holy Cross stands 860th by percentage change from 2020 to 2023, among 940 places.
Against the state trend: Holy Cross's 3.3% change compares with a Iowa average of -0.7% across its 940 places.
Density in Iowa: Holy Cross ranks 235th by people per square mile.
Against the state median: Holy Cross runs about 1,061 residents per square mile, where the Iowa median is 672.
Location: latitude 42.6011, longitude -90.9962 (Census Gazetteer).
Nearest larger cities: New Vienna (7 mi); Cassville (8 mi); Dyersville (10 mi); Colesburg (11 mi); Farley (11 mi). A branch is convenient; it is not what sets your APR.
Smaller towns nearby: Luxemburg (4 mi); North Buena Vista (5 mi); Rickardsville (6 mi).
Within a 50-mile radius: 57 smaller Census places.
Larger places within 100 miles: 381.

Inside a Holy Cross personal loan

In Holy Cross, a small community of about 348, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Holy Cross can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Holy Cross loan but raises total interest, so the smallest payment is not the cheapest loan.

Holy Cross's place among Iowa's 940 places

Among Iowa's 940 places, Holy Cross sits at 529th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Holy Cross stands 860th among Iowa's 940 places — roughly the 9th percentile. At about 1,061 people per square mile, Holy Cross is the 235th most densely settled place in Iowa. In land area, Holy Cross ranks 772nd among Iowa's 940 places.

How lenders reach Holy Cross

At roughly 1,061 people per square mile, Holy Cross is moderately settled; 86 larger places lie within 50 miles. What is available to Holy Cross's 348 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest larger city, New Vienna, IA about 7 miles away.

Steps to take before a Holy Cross loan

Before you apply in Holy Cross, a community of about 348, work through these steps:

Get your credit reports, dispute what is wrong, and only then start shopping.
Test your amount and term in the personal loan calculator first.
Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
Look the lender up in the Iowa regulator's licence records before you sign.
Weigh a shorter term's higher payment against the interest it saves.
Do not borrow more than the expense calls for, even if a lender approves a larger amount.
Be clear on what the loan is for and how it gets repaid.

In Holy Cross as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 348 residents.

Which Iowa laws govern a loan in Holy Cross

Read the table as a lender's compliance picture for Holy Cross: the rule, the sourced figure, the publisher and the date.

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
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
Small-loan / installment lender licensing	Regulated 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

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Common questions

What are my options in Holy Cross 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 Holy Cross is the same as anywhere in Iowa.

What loan size can I expect in Holy Cross?

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 Holy Cross?

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 Holy Cross 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

Luxemburg, IA — population 238
North Buena Vista, IA — population 108
Bankston, IA — population 23
Cassville, WI — population 771
Rickardsville, IA — population 203
New Vienna, IA — population 380
Balltown, IA — population 79
Farley, IA — population 1,722