Personal loans in Pisgah, IA

Pisgah is one of 940 Census places in Iowa; its 245 residents put it at 617th. Pisgah is a small community in Iowa, with an estimated 245 residents, and every licensed lender here follows the same state rulebook.

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.

Census figures put the 2020-to-2023 increase in Pisgah at about 1.2%. Judge Pisgah offers on total cost, not on how quickly the money arrives. Consumer lending that reaches Pisgah's 245 residents is governed by Iowa statute; no city ordinance changes it. The nearest larger city is Mondamin, IA about 10 miles away.

What the Census records for Pisgah

Read the local figures below as context; read the sourced Iowa table as the rulebook a lender here must follow.

The state rulebook for Pisgah

When Iowa does not publish a figure, the row links to the source instead of inventing a number; Pisgah is bound by the same rules.

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

The geography behind Pisgah

Pisgah covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 490 residents per square mile. The largest place in Iowa, Des Moines, lies about 121 miles away. Within 50 miles of Pisgah there are 87 larger Census places. The 100-mile radius contains 299 larger places.

Getting a loan in Pisgah

At roughly 490 people per square mile, Pisgah is lightly settled; 87 larger places lie within 50 miles. Distance to a branch rarely matters for Pisgah's 245 residents: the application is online and the price follows your credit file. The nearest larger city, Mondamin, IA about 10 miles away.

The Pisgah borrowing checklist

Complete these steps first when you borrow in Pisgah (245 residents):

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Model the payment on the calculator before a lender models it for you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Make sure the lender appears in the Iowa regulator's licence list.
  5. Write down the purpose of the loan and your repayment plan before you apply.
  6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  7. Read the disclosure for an origination fee and any prepayment penalty before signing.

In Pisgah as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 245 residents.

How Pisgah compares across Iowa

Against Iowa's other places, Pisgah accounts for about 0.0% of the state's population and ranks 617th of 940 by size. On the 2020-to-2023 trend, Pisgah stands 128th among Iowa's 940 places — roughly the 86th percentile. Its roughly 490 residents per square mile place it 610th among Iowa's places. Within 50 miles sit 34 smaller Census places, alongside the 87 that are larger.

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