Personal loans in Lost Nation, IA

Lost Nation is home to roughly 423 people and stands 477th by size out of 940 Census places in Iowa. Lost Nation counts about 423 people, and what is genuinely local about borrowing here is limited — Iowa law does the governing.

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.

Read the disclosure for an origination fee and any prepayment penalty before signing in Lost Nation. State law, not city hall, decides what a lender may do to Lost Nation's roughly 423 residents, and a state regulator supervises it. Lost Nation shed about 2.1% of its population between the 2020 base and the 2023 estimate. The nearest larger city is Oxford Junction, IA about 7 miles away.

Where Lost Nation stands

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

How Iowa law applies in Lost Nation

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

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
Small-loan / installment lender licensingRegulated 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
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

Lost Nation: area, density and distance

The Census Gazetteer records about 0.8 square miles of land within Lost Nation, with no significant water area listed. That land carries about 560 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 146 miles. Within 50 miles of Lost Nation there are 107 larger Census places. Within the same 50 miles lie 53 smaller Census places.

Lender access in Lost Nation

With about 560 residents per square mile, Lost Nation is moderately settled, and 107 larger Census places sit within 50 miles. A Iowa licence lets a lender serve Lost Nation without a local office, so branch density does not change what its 423 residents are offered. The nearest larger city, Oxford Junction, IA about 7 miles away.

Lost Nation's place among Iowa's 940 places

Among Iowa's 940 places, Lost Nation sits at 477th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Lost Nation stands 652nd among Iowa's 940 places — roughly the 31th percentile. Its roughly 560 residents per square mile place it 555th among Iowa's places. Between 2020 and 2023 the count changed by roughly 9 residents.

A practical checklist for Lost Nation borrowers

Complete these steps first when you borrow in Lost Nation (423 residents):

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Check the Iowa regulator's records to confirm the lender is licensed here.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

The process is identical across Iowa; what changes is your credit file, not the fact that Lost Nation holds 423 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 Lost Nation 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 Lost Nation is the same as anywhere in Iowa.
What loan size can I expect in Lost Nation?
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 Lost Nation?
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 Lost Nation 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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