Personal loans in Moville, IA

The roughly 1,690 people who live in Moville borrow under Iowa rules; city hall sets no personal-loan rate. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Moville loan.

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.

Moville is one of 940 Census places in Iowa; its 1,690 residents put it at 186th. Rate ceilings, licensing requirements and product limits for Moville are all set at the Iowa level. Population in Moville climbed about 0.1% over the three years from 2020 to 2023. The nearest larger metro is Sergeant Bluff, IA about 16 miles away.

What the Census records for Moville

Most of what governs a Moville loan is written in Iowa law rather than in the city; the sourced notes below make that split concrete.

How a Moville personal loan is priced

In Moville, a small community of about 1,690, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Moville. The term you choose in Moville decides the split between a comfortable payment and the total interest you pay.

Land, water and location for Moville

The Census Gazetteer records about 0.9 square miles of land within Moville, with no significant water area listed. That land carries about 1,841 people per square mile. The largest place in Iowa, Des Moines, lies about 141 miles away. A 50-mile radius around Moville takes in 20 places that are larger. The 100-mile radius contains 75 larger places.

What is available to Moville borrowers

At roughly 1,841 people per square mile, Moville is moderately settled; 20 larger places lie within 50 miles. Whether Moville has a local branch or not, a Iowa-licensed lender can serve its 1,690 people online on the same terms. For a larger market, the closest option is Sergeant Bluff, IA about 16 miles away.

Moville against the rest of Iowa

Moville is the 186th-largest of 940 Census places in Iowa and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Moville stands 227th among Iowa's 940 places — roughly the 76th percentile. Its roughly 1,841 residents per square mile place it 30th among Iowa's places. Between 2020 and 2023 the count changed by roughly 2 residents.

Which Iowa laws govern a loan in Moville

Below are the Iowa rules that apply to a loan made in Moville, each with the regulator that issued it.

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