Manilla at a glance
- Population: 742 people, the 349th-largest place among Iowa's 940 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 773 (US Census Bureau).
- 2020 to 2023 change: about 4.0% below the 2020 Census base (US Census Bureau).
- Rank among Iowa places: 349th of 940 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 63% of places in Iowa rank below it by population (US Census Bureau).
- Coordinates: latitude 41.8926, longitude -95.2345 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Manning, IA (9 mi); Denison, IA (10 mi); Harlan, IA (17 mi); Dunlap, IA (19 mi); Audubon, IA (20 mi) (US Census Bureau).
- Nearest smaller towns: Aspinwall, IA (5 mi); Defiance, IA (7 mi); Irwin, IA (7 mi) (US Census Bureau).
What a personal loan costs in Manilla
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Iowa lending rules that apply in Manilla
Read the table as the compliance picture for a lender serving Manilla: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Manilla
The order below is a sensible way to approach a loan in Manilla:
- 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.