Personal loans in Pleasantville, IA

Pleasantville is a small community of about 1,690 residents, and a personal loan taken out here is governed by Iowa statute. The Census estimates 1,690 residents in Pleasantville, which ranks it 187th of 940 places in Iowa.

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.

The closest larger city is Knoxville, IA about 10 miles away. Census figures put the 2020-to-2023 increase in Pleasantville at about 0.4%. When Iowa caps or restricts a product, lenders either change the terms or withdraw it from Pleasantville as from the rest of the state. Compare APR, not the interest rate, because the APR folds in most fees on a Pleasantville loan.

What the Census records for Pleasantville

Pleasantville is a small community; the notes below cover its population profile and the statewide rules that apply.

Pleasantville: area, density and distance

The Census Gazetteer records about 2.4 square miles of land within Pleasantville, with no significant water area listed. With 1,690 residents, the land area yields roughly 691 people per square mile. The largest place in Iowa, Des Moines, lies about 22 miles away. Pleasantville has 39 larger places within a 50-mile radius. By land area it ranks 167th of 940 Iowa places.

Iowa rules behind a Pleasantville personal loan

Every row below records a Iowa rule, its publisher and its retrieval date — the same rules a Pleasantville lender must follow.

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
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
Payday lending statusPermitted under license (delayed deposit services; must be physically located in Iowa)
Source says: "A person shall not operate a delayed deposit services business in this state unless the person is physically located in this state and licensed by the superintendent".
Iowa Legislature (Iowa Code)
as of 2026-09-16

Pleasantville's place among Iowa's 940 places

Among Iowa's 940 places, Pleasantville sits at 187th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Pleasantville stands 200th among Iowa's 940 places — roughly the 79th percentile. By density, at about 691 people per square mile, it ranks 461st in Iowa. In land area, Pleasantville ranks 167th among Iowa's 940 places.

Before you apply in Pleasantville

Before you hand your details to a lender in Pleasantville, where the population is near 1,690:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Check the Iowa regulator's records to confirm the lender is licensed here.
  5. Pick the shortest term whose payment you can comfortably afford.
  6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  7. Be clear on what the loan is for and how it gets repaid.

In Pleasantville as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 1,690 residents.

How lenders reach Pleasantville

With about 691 residents per square mile, Pleasantville is moderately settled, and 39 larger Census places sit within 50 miles. A Iowa licence lets a lender serve Pleasantville without a local office, so branch density does not change what its 1,690 residents are offered. For a larger market, the closest option is Knoxville, IA about 10 miles away.

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