Hinton at a glance
- Population: 955, the 289th-largest community in Iowa out of 940 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 934 (US Census Bureau).
- 2020 to 2023 change: up about 2.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Iowa places: 289th in population of 940 places (US Census Bureau).
- Size percentile: ahead of around 69% of Iowa places in population terms (US Census Bureau).
- Coordinates: latitude 42.6228, longitude -96.2982 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Sioux City, IA (10 mi); North Sioux City, SD (12 mi); South Sioux City, NE (13 mi); Le Mars, IA (13 mi); Moville, IA (15 mi) (US Census Bureau populations).
- Smaller places close by: Merrill, IA (7 mi); Lawton, IA (12 mi); Brunsville, IA (13 mi) (US Census Bureau).
What a personal loan costs in Hinton
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Iowa lending rules that apply in Hinton
The table lists the Iowa rules that apply to a loan made in Hinton, each with the regulator that published it.
| 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 Hinton
Run through this list before signing anything in Hinton:
- 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.