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.

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.

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.

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.

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

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.

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

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