Colesburg at a glance
- Population: 383 — 497th in Iowa, which has 940 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 387 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 1.0% below the 2020 Census base (US Census Bureau).
- Rank among Iowa places: 497th of the state's 940 Census places (US Census Bureau).
- Size percentile: roughly 47% of places in Iowa rank below it by population (US Census Bureau).
- Coordinates: 42.6388, -91.2011 (US Census Bureau Gazetteer).
- Nearest larger cities: Edgewood, IA (10 mi); Earlville, IA (11 mi); Guttenberg, IA (11 mi); Dyersville, IA (12 mi); Cassville, WI (12 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Osterdock, IA (7 mi); Luxemburg, IA (7 mi); New Vienna, IA (8 mi) (Census populations).
What a personal loan costs in Colesburg
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Iowa lending rules that apply in Colesburg
The Iowa rate caps and licensing rules that reach Colesburg are listed below, each with its source 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 |
| 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 |
How to compare offers in Colesburg
A few practical steps will make the process in Colesburg less costly:
- 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.