Personal loans in Preston, IA
Preston is a small community in Iowa, with an estimated 938 residents, and every licensed lender here follows the same state rulebook. Which products a lender may offer to Preston's 938 residents follows from the Iowa consumer-lending framework. By population, Preston sits at 296th in Iowa, with an estimated 938 residents. Rate-shopping from Preston costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The trend for Preston between 2020 and 2023 is downward by roughly 1.2%. For a bigger market, look to Savanna, IL about 14 miles away.
Preston by the numbers
The figures below are Preston's own — Census population, land area and coordinates — followed by the Iowa rules.
- Population: the Census counts 938 residents in Preston (Vintage 2023 subcounty estimate), the 296th-largest figure among Iowa's 940 places.
- Population trend: A drop of about 1.2% from 2020 to 2023.
- People gained or lost: about 11 fewer since the 2020 base.
- Size percentile: Preston sits ahead of around 69% of Iowa places, at 938 people.
- Density: the Census land area of 0.9 sq mi holds about 1,089 people per square mile.
- Land area: Preston covers 0.9 square miles, the 460th-largest area among Iowa's 940 places.
- Share of Iowa: Preston holds about 0.0% of the state's population, some 938 people.
- National standing: Preston ranks 10,509th of 19,457 US places.
- Growth in Iowa: Preston stands 455th by percentage change from 2020 to 2023, among 940 places.
- Against the state trend: Preston's 1.2% change compares with a Iowa average of -0.7% across its 940 places.
- Density rank: Preston is the 218th most densely settled place in Iowa.
- Against the state median: Preston runs about 1,089 residents per square mile, where the Iowa median is 672.
- Location: 42.0492, -90.3970 (US Census Bureau Gazetteer).
- Nearest larger cities: Savanna (14 mi); Maquoketa (14 mi); Bellevue (15 mi); Thomson (15 mi); Clinton (16 mi). Living near a larger metro rarely changes what is available in Preston.
- Smaller communities close by: Spragueville (2 mi); Miles (4 mi); Goose Lake (6 mi), each with its own Census population profile.
- Within a 50-mile radius: 83 smaller Census places.
- Larger places within 100 miles: 260.
Preston on the map
The Census Gazetteer records about 0.9 square miles of land within Preston, with no significant water area listed. Spread across it are roughly 1,089 residents per square mile. Des Moines, the largest place in Iowa, is about 169 miles from Preston. Preston has 68 larger places within a 50-mile radius. The 100-mile radius contains 260 larger places.
What shapes a Preston personal loan
Most loans made to Preston's 938 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Preston lender to disclose the APR and finance charge before you sign. Shortening the term on a Preston loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Getting a loan in Preston
At roughly 1,089 people per square mile, Preston is moderately settled; 68 larger places lie within 50 miles. Distance to a branch rarely matters for Preston's 938 residents: the application is online and the price follows your credit file. The nearest larger city, Savanna, IL about 14 miles away.
The state rulebook for Preston
For the roughly 938 residents of Preston, the rules below are Iowa's own; each row carries its publisher and retrieval date.
| 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 |
Preston's place among Iowa's 940 places
Preston is the 296th-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. For population change between 2020 and 2023, Preston ranks 455th of 940 in Iowa (about the 52th percentile). Its roughly 1,089 residents per square mile place it 218th among Iowa's places. Between 2020 and 2023 the count changed by roughly 11 residents.
Common questions
What are my options in Preston if my credit is poor?
What loan size can I expect in Preston?
Do I have to pledge anything to borrow in Preston?
Does comparing loans in Preston cost me credit score points?
Nearby places
- Spragueville, IA — population 90
- Goose Lake, IA — population 251
- Miles, IA — population 402
- Charlotte, IA — population 389
- Springbrook, IA — population 145
- Andover, IA — population 107
- Bellevue, IA — population 2,320
- Sabula, IA — population 493