Camanche at a glance
- Population: about 4,552, 94th by size in Iowa of 940 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 4,572 (US Census Bureau).
- 2020 to 2023 change: about 0.4% lower than the 2020 Census base (US Census Bureau).
- Rank among Iowa places: 94th largest of 940 (US Census Bureau).
- Size percentile: it is larger than about 90% of the places in Iowa (US Census Bureau).
- Coordinates: it sits at 41.7927, -90.2762 in the US Census Bureau Gazetteer.
- Nearest larger cities: Clinton, IA (4 mi); DeWitt, IA (14 mi); Le Claire, IA (15 mi); Bettendorf, IA (19 mi); Eldridge, IA (19 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Albany, IL (3 mi); Low Moor, IA (4 mi); Fulton, IL (8 mi), each a US Census place.
What a personal loan costs in Camanche
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Iowa lending rules that apply in Camanche
The table lists the Iowa rules that apply to a loan made in Camanche, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 status | Permitted 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 |
| Small-loan / installment lender licensing | Regulated 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 |
| 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 |
How to compare offers in Camanche
Run through this list before signing anything in Camanche:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Iowa using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.