Soldier at a glance
- Population: 180 (US Census Bureau, Vintage 2023 subcounty estimate), the 689th-largest of 940 places in Iowa.
- 2020 Census base: 185 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: down about 2.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Iowa places: 689th largest of 940 (US Census Bureau).
- Size percentile: about 27% of Iowa's Census places are smaller (US Census Bureau).
- Coordinates: 41.9843 latitude, -95.7804 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Moorhead, IA (6 mi); Ute, IA (6 mi); Charter Oak, IA (11 mi); Mapleton, IA (13 mi); Dunlap, IA (13 mi); US Census Bureau population estimates.
- Nearest smaller places: Castana, IA (9 mi); Turin, IA (10 mi); Ricketts, IA (14 mi) (US Census Bureau estimates).
What a personal loan costs in Soldier
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Iowa lending rules that apply in Soldier
The table carries the Iowa rate and licensing rules that apply to consumer loans made in Soldier.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Soldier
A few practical steps will make the process in Soldier 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.