Oxford at a glance
- Population: the Census estimates 710 residents, ranking 370th of 940 places in Iowa (Vintage 2023).
- 2020 Census base: 718 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.1% below the 2020 Census base (US Census Bureau).
- Rank among Iowa places: 370th largest of 940 (US Census Bureau).
- Size percentile: about 61% of places in Iowa are smaller (US Census Bureau).
- Coordinates: latitude 41.7228, longitude -91.7911 (US Census Bureau Gazetteer).
- Nearest larger cities: Tiffin, IA (7 mi); North Liberty, IA (9 mi); Swisher, IA (10 mi); Coralville, IA (10 mi); Walford, IA (11 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Norway, IA (14 mi); Parnell, IA (15 mi); Blairstown, IA (20 mi) (Census populations).
What a personal loan costs in Oxford
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Iowa lending rules that apply in Oxford
The table lists the Iowa rules that apply to a loan made in Oxford, each with the regulator that published it.
| 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 Oxford
The steps below are worth completing first when you borrow in Oxford:
- 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.