Sageville at a glance
- Population: a Census-estimated 93, placing it 832nd among Iowa's 940 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 96 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: down roughly 3.1% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Iowa places: 832nd of 940 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 11% of places in Iowa rank below it by population (US Census Bureau).
- Coordinates: 42.5503 latitude, -90.7069 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Dubuque, IA (4 mi); Asbury, IA (5 mi); Sherrill, IA (5 mi); East Dubuque, IL (6 mi); Dickeyville, WI (8 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Durango, IA (4 mi); Graf, IA (9 mi); Balltown, IA (10 mi), each a US Census place.
What a personal loan costs in Sageville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Iowa lending rules that apply in Sageville
Read the table as the compliance picture for a lender serving Sageville: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Sageville
The order below is a sensible way to approach a loan in Sageville:
- 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.