Delhi at a glance
- Population: about 432, 467th by size in Iowa of 940 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 413 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 4.6% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Iowa places: 467th of 940 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 50% of places in Iowa are smaller (US Census Bureau).
- Coordinates: it sits at 42.4337, -91.3259 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Earlville, IA (4 mi); Hopkinton, IA (7 mi); Manchester, IA (8 mi); Dyersville, IA (11 mi); Coggon, IA (15 mi) (US Census Bureau populations).
- Nearest smaller towns: Delaware, IA (3 mi); Ryan, IA (10 mi); Greeley, IA (10 mi) (US Census Bureau).
What a personal loan costs in Delhi
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Delhi
The Iowa rate caps and licensing rules that reach Delhi 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 Delhi
Run through this list before signing anything in Delhi:
- 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.