Pleasant Hill at a glance
- Population: 11,617 people, the 34th-largest place among Iowa's 940 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 10,179 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 14.1% growth over the 2020 Census base (US Census Bureau).
- Rank among Iowa places: 34th largest of 940 (US Census Bureau).
- Size percentile: ahead of around 96% of Iowa places in population terms (US Census Bureau).
- Coordinates: 41.5991, -93.5050 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Altoona, IA (4 mi); Des Moines, IA (6 mi); Ankeny, IA (10 mi); Norwalk, IA (13 mi); Johnston, IA (13 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Carlisle, IA (6 mi); Bondurant, IA (7 mi); Mitchellville, IA (9 mi), per US Census Bureau estimates.
What a personal loan costs in Pleasant Hill
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Iowa lending rules that apply in Pleasant Hill
The table carries the Iowa rate and licensing rules that apply to consumer loans made in Pleasant Hill.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Pleasant Hill
A few practical steps will make the process in Pleasant Hill less costly:
- 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.