Personal loans in Marcus, IA

Every figure below is Iowa's own, applied to Marcus's 1,060 residents, with the publisher and retrieval date attached.

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

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.

With roughly 1,060 residents, Marcus is a small community, and the lending rules its borrowers live under are written in Iowa, not by the city. At about 1,060 residents, Marcus is larger than roughly 72% of the places in Iowa. The 2020 count to the 2023 estimate shows about 1.3% decline in Marcus. Pull your credit reports and line up at least three offers before you apply from Marcus. The nearest larger metro is Remsen, IA about 8 miles away.

Marcus: population, trend and location

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

Iowa consumer-lending rules applied in Marcus

For the roughly 1,060 residents of Marcus, the rules below are Iowa's own; each row carries its publisher and retrieval 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
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 practical checklist for Marcus borrowers

Complete these steps first when you borrow in Marcus (1,060 residents):

  1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
  2. Run the numbers on the personal loan calculator so you know the payment before you apply.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Make sure the lender appears in the Iowa regulator's licence list.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Decide the purpose and how you will repay it before approaching any lender.

The process is identical across Iowa; what changes is your credit file, not the fact that Marcus holds 1,060 people.

How lenders reach Marcus

Marcus is moderately settled, with about 693 people per square mile and 34 larger places within 50 miles. Distance to a branch rarely matters for Marcus's 1,060 residents: the application is online and the price follows your credit file. The nearest bigger place is Remsen, IA about 8 miles away.

Marcus in state context

Among Iowa's 940 places, Marcus sits at 262nd for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 486th of 940 Iowa places, putting it near the 48th percentile for growth. Its roughly 693 residents per square mile place it 459th among Iowa's places. By land area, its 1.5 square miles rank 262nd of 940 places in Iowa.

Marcus on the map

Inside Marcus's boundaries lie about 1.5 square miles of land, with no significant water area recorded. With 1,060 residents, the land area yields roughly 693 people per square mile. Des Moines, the largest place in Iowa, is about 142 miles from Marcus. Within 50 miles of Marcus there are 34 larger Census places. By land area it ranks 262nd of 940 Iowa places.

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