Personal loans in Martensdale, IA
Two households in Martensdale with comparable incomes can still be offered different rates; the city's 411 residents are not the reason. Martensdale lost roughly 2.1% of its population across the 2020-to-2023 comparison.
Martensdale is home to roughly 411 people and stands 481st by size out of 940 Census places in Iowa. Read the disclosure for an origination fee and any prepayment penalty before signing in Martensdale. Which products a lender may offer to Martensdale's 411 residents follows from the Iowa consumer-lending framework. The nearest larger metro is St. Charles, IA about 7 miles away.
The Martensdale data picture
The figures below are Martensdale's own — Census population, land area and coordinates — followed by the Iowa rules.
- Population: about 411, ranked 481st of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is negative, near 2.1%.
- Change in people: the 2020-to-2023 comparison is a loss of about 9 residents.
- Size percentile: about 49% of Iowa communities are smaller than Martensdale (411 residents).
- Density: the Census land area of 0.4 sq mi holds about 1,082 people per square mile.
- Land area: Martensdale covers 0.4 square miles, the 731st-largest area among Iowa's 940 places.
- State share: roughly 0.0% of Iowa's residents live in Martensdale (411 people).
- National rank: Martensdale is the 13,989th most populous of the 19,457 Census places covered here.
- Growth rank: Martensdale's 2020-to-2023 change ranks 660th of 940 places in Iowa.
- State comparison: Iowa's places average -0.7% for 2020-to-2023, against Martensdale's 2.1%.
- Density in Iowa: Martensdale ranks 222nd by people per square mile.
- Density vs Iowa: Martensdale's 1,082 people per square mile compare with a state median of 672.
- Location: it lies at 41.3738, -93.7388 in the Census Gazetteer.
- Nearest larger cities: St. Charles (7 mi); Cumming (8 mi); Norwalk (8 mi); Indianola (9 mi); West Des Moines (12 mi). Larger metros often have more branches, but online lenders reach Martensdale on the same terms.
- Nearest smaller towns: Bevington (3 mi); St. Marys (5 mi); Spring Hill (5 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 58 smaller Census places.
- Larger places within 100 miles: 218.
Where Martensdale sits in Iowa
Within Iowa, Martensdale holds roughly 0.0% of all residents, the 481st-largest share among 940 places. Its 2020-to-2023 change ranks 660th of 940 Iowa places, putting it near the 30th percentile for growth. At about 1,082 people per square mile, Martensdale is the 222nd most densely settled place in Iowa. Between 2020 and 2023 the count changed by roughly 9 residents.
How a Martensdale personal loan is priced
A Martensdale personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 411 residents. Two numbers drive a Martensdale loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Martensdale loan but raises total interest, so the smallest payment is not the cheapest loan.
The state rulebook for Martensdale
These are Iowa's sourced lending facts as they reach Martensdale's 411 residents; the state has no city-level rate rule.
| 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 |
| Delayed deposit fee cap | Fee 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 |
How lenders reach Martensdale
At roughly 1,082 people per square mile, Martensdale is moderately settled; 76 larger places lie within 50 miles. Lenders licensed in Iowa reach Martensdale's 411 residents online, so the nearest branch is not what sets your APR. The nearest larger city, St. Charles, IA about 7 miles away.
The geography behind Martensdale
Martensdale covers about 0.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 1,082 people per square mile. Des Moines, the largest place in Iowa, is about 15 miles from Martensdale. Within 50 miles of Martensdale there are 76 larger Census places. By land area it ranks 731st of 940 Iowa places.
Common questions
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Nearby places
- Bevington, IA — population 59
- St. Marys, IA — population 114
- Spring Hill, IA — population 68
- St. Charles, IA — population 643
- Cumming, IA — population 501
- Norwalk, IA — population 14,873
- Patterson, IA — population 175
- Indianola, IA — population 16,043