Dunlap at a glance
- Population: 1,035 residents, the 271st-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 1,041 (US Census Bureau).
- 2020 to 2023 change: down about 0.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Iowa places: 271st of 940 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 71% of places in Iowa are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 41.8519, -95.6019.
- Nearest larger cities: Woodbine, IA (10 mi); Denison, IA (17 mi); Logan, IA (17 mi); Harlan, IA (20 mi); Mapleton, IA (24 mi) — straight-line distances, US Census Bureau populations.
- Smaller towns nearby: Dow City, IA (8 mi); Arion, IA (10 mi); Earling, IA (11 mi) (US Census Bureau).
What a personal loan costs in Dunlap
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Iowa lending rules that apply in Dunlap
Each row below is a Iowa rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Dunlap
The steps below are worth completing first when you borrow in Dunlap:
- 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.