Personal loans in Lohrville, IA

By population, Lohrville sits at 515th in Iowa, with an estimated 370 residents. For a borrower among the roughly 370 residents of Lohrville, a personal loan is a tool whose cost turns on the terms, not the address.

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.

For a community of about 370, the practical step is to compare APR across at least three lenders before committing. Lenders active in Lohrville report to a Iowa supervisor, identified in the sourced rows below. The trend for Lohrville between 2020 and 2023 is downward by roughly 2.4%. The closest larger city is Lake City, IA about 9 miles away.

Lohrville: the sourced local profile

Only a few things actually differ by place — population, area, location, and the Iowa rules a lender must follow — and they are below.

Lohrville: area, density and distance

Lohrville's land area is roughly 2.3 square miles, and the Gazetteer records no significant water area within it. That land carries about 164 people per square mile. The state's population centre of gravity, Des Moines, is roughly 68 miles away. Lohrville has 64 larger places within a 50-mile radius. The 100-mile radius contains 277 larger places.

How lenders reach Lohrville

Lohrville is a lightly settled community of about 370 people, with 64 larger places inside a 50-mile radius. Whether Lohrville has a local branch or not, a Iowa-licensed lender can serve its 370 people online on the same terms. The nearest larger city, Lake City, IA about 9 miles away.

What a Lohrville borrower is actually offered

In Lohrville, a small community of about 370, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Lohrville's 370 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Lohrville loan but raises total interest, so the smallest payment is not the cheapest loan.

The state rulebook for Lohrville

When Iowa does not publish a figure, the row links to the source instead of inventing a number; Lohrville 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
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

A pre-application checklist for Lohrville

For Lohrville's roughly 370 residents, these are the steps that most influence the offer:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Verify the lender's Iowa licence with the regulator listed on this page.
  5. Check the disclosure for fees that raise the true cost above the quoted rate.
  6. Make sure the new payment leaves room in a budget you already keep.
  7. Weigh a shorter term's higher payment against the interest it saves.

The process is identical across Iowa; what changes is your credit file, not the fact that Lohrville holds 370 people.

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

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