Personal loans in Russell, IA

A lender that serves Russell operates under Iowa lending statutes and a Iowa supervisor. In Russell, one of 940 Census places in Iowa, the figure to compare across lenders is the APR, not the advertised rate.

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.

Roughly 474 residents live in Russell, the 451st-largest community in Iowa. Russell gained roughly 0.2% in population across the 2020-to-2023 comparison. Judge Russell offers on total cost, not on how quickly the money arrives. Borrowers who want a bigger city can look to Chariton, IA about 6 miles away.

What the Census records for Russell

Two layers matter for a Russell borrower: the local population picture and Iowa's consumer-lending statutes.

Borrowing reach in Russell

Russell is a lightly settled community of about 474 people, with 46 larger places inside a 50-mile radius. Lenders licensed in Iowa reach Russell's 474 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Chariton, IA about 6 miles away.

Inside a Russell personal loan

With roughly 474 residents, Russell is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Russell loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Russell loan is knowable in advance — unlike a revolving card balance.

Iowa consumer-lending rules applied in Russell

The rows below set out what a licensed lender must follow in Iowa, and so for Russell's roughly 474 residents.

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
Small-loan / installment lender licensingRegulated Loan Act license required (superintendent of banking)
Source says: "shall not engage in the business of making loans ... without first obtaining a license from the superintendent of banking".
Iowa Legislature (Iowa Code)
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

Land, water and location for Russell

Inside Russell's boundaries lie about 1.0 square miles of land, with no significant water area recorded. The resulting density is about 462 people per square mile. The state's population centre of gravity, Des Moines, is roughly 46 miles away. Within 50 miles of Russell there are 46 larger Census places. By land area it ranks 381st of 940 Iowa places.

Russell in state context

Against Iowa's other places, Russell accounts for about 0.0% of the state's population and ranks 451st of 940 by size. Its 2020-to-2023 change ranks 218th of 940 Iowa places, putting it near the 77th percentile for growth. Its roughly 462 residents per square mile place it 628th among Iowa's places. The population moved by about 1 people between 2020 and 2023, a 0.2% shift.

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