Pleasantville at a glance
- Population: 1,690, the 187th-largest community in Iowa out of 940 (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,683 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: an increase of about 0.4% since the 2020 count (US Census Bureau).
- Rank among Iowa places: the 187th-largest of 940 (US Census Bureau, 2023 estimate).
- Size percentile: about 80% of Iowa's Census places are smaller (US Census Bureau).
- Coordinates: 41.3870, -93.2728 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Knoxville, IA (10 mi); Monroe, IA (13 mi); Prairie City, IA (15 mi); Carlisle, IA (15 mi); Indianola, IA (15 mi); US Census Bureau population estimates.
- Nearest smaller communities: Swan, IA (6 mi); Sandyville, IA (6 mi); Hartford, IA (8 mi), each a US Census place.
What a personal loan costs in Pleasantville
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Iowa lending rules that apply in Pleasantville
Each row below is a Iowa rule with its publisher and the date it was retrieved.
| 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 Pleasantville
Before you share your details with a lender in Pleasantville:
- 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.