Marble Rock at a glance
- Population: a Census-estimated 262, placing it 593rd among Iowa's 940 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 268 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a loss of about 2.2% since the 2020 count (US Census Bureau).
- Rank among Iowa places: 593rd in population of 940 places (US Census Bureau).
- Size percentile: roughly 37% of Iowa's places have fewer residents (US Census Bureau).
- Coordinates: latitude 42.9646, longitude -92.8678 (US Census Bureau Gazetteer).
- Nearest larger cities: Greene, IA (6 mi); Rockford, IA (7 mi); Rudd, IA (11 mi); Charles City, IA (12 mi); Floyd, IA (13 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Dougherty, IA (9 mi); Aredale, IA (11 mi); Bristow, IA (13 mi) (US Census Bureau).
What a personal loan costs in Marble Rock
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Iowa lending rules that apply in Marble Rock
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Marble Rock
Here is a short checklist for comparing personal loans in Marble Rock:
- 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.