Best Personal Loan Rates in Dows, Iowa - July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Dows, Iowa include: Power Co-Op Employees Credit UnionPower Co-Op Employees Credit UnionB+4.8 ★Texas Ratio: 17.22% offering 2023, 24, 25 USED Loan at 3.99% APR, Sioux Valley Community Credit UnionSioux Valley Community Credit UnionC+4.1 ★Texas Ratio: 25.21% offering 2018 and Older Loan at 4.35% APR, Community 1st Credit Union Ottumwa, IACommunity 1st Credit Union Ottumwa, IAB-4.3 ★Texas Ratio: 21.04% offering Consumer (Model Year: 2023-2026; Terms up to 48 months) Loan at 4.59% APR, Unite Credit UnionUnite Credit UnionA+5.0 ★Texas Ratio: 1.32% offering Up to 48 Months Loan at 4.74% APR, and Members Community Credit UnionMembers Community Credit UnionA+5.0 ★Texas Ratio: 0.39% offering 2023 - New Loan at 4.75% APR. Personal loan rates as of July 25, 2026 according to verified data from MonitorBankRates.
Dows borrowers have access to 21 lenders serving the Iowa area, with personal loan rates as low as 3.99% APR from Power Co-Op Employees Credit Union. Use the tabs below to compare all available personal loan types. Rates are continually updated — we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently borrow from a stable, highly-rated institution in Dows, Iowa.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Dows, Iowa. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: July 25, 2026
Dows Personal Loan Rates
As Low As; 90% Financing
As Low As
As Low As; *Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
As Low As; *Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
As Low As; 100% Financing
As Low As; *
Relationship Rate; As low as APR*
As Low As; Rates current as of 7/16/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
As Low As; *
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
As Low As
*Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
As low as APR*
As Low As; Loyalty APR: 4.49%
As Low As; 90% Financing
As Low As
As Low As; Rates current as of 7/16/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
As low as APR*
Relationship Rate: 4.84%*
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
100% of NADA Retail (RTL); As low as APR*
As low as APR*
Relationship Rate: 4.94%*
As Low As
As Low As; *
No additional details available.
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
As Low As; Loyalty APR: 4.74%
As Low As; Rates current as of 7/16/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
As Low As; Rates current as of 7/16/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
As Low As; Rates current as of 7/16/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
As Low As
100% of NADA Retail (RTL); As low as APR*
As low as APR*
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
As Low As
As low as APR*
Relationship Rate: 5.14%*
As low as APR*
As low as APR*
As Low As
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
As Low As; 100% Financing
As Low As; Loyalty APR: 4.99%
No additional details available.
100% of NADA Retail (RTL); As low as APR*
100% of NADA Retail (RTL); As low as APR*
As low as APR*
*Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
As Low As; Rates current as of 7/16/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
No additional details available.
No additional details available.
As low as APR*
100% of NADA Retail (RTL); As low as APR*
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As; *
100% of NADA Retail (RTL); As low as APR*
As low as APR*
As Low As
No additional details available.
As Low As; Loyalty APR: 5.24%; **
No additional details available.
A payment example of $300,000 5-year balloon at 5.375% is $1,680.00. Payment example does not include taxes or insurance.
As Low As
No additional details available.
No additional details available.
*Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
80% loan-to-value ratio, Refinanced (existing loans) must add an additional $5,000 to receive this rate **Up to 180 months with 66 month balloon for loans over $15,000
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; *
No additional details available.
No additional details available.
No additional details available.
As Low As
No additional details available.
APR* as low as
*Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
*Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
No additional details available.
APR* as low as
For example, a 120-month Power Equity Loan for $20,000 at a 6.715% APR, the monthly payment will be approximately $229.00.
No additional details available.
As Low As; Loyalty APR: 6.24%
As Low As
As Low As; 90% Financing
As Low As; Loyalty APR: 6.39%
Fixed Rates APR effective 10/1/2025. Rates subject to change without notice.
No additional details available.
No additional details available.
As Low As; 100% Financing
$12
As low as
APR* as low as
As Low As; Loyalty APR: 6.64%
As Low As; Term: 60
As Low As; *
Under $25,000
As Low As; Term: 48
No additional details available.
As Low As
As Low As; Term: 36
*Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
over $20,000
No additional details available.
*Annual Percentage Rate**Up to 100% financing on new/untitled vehicles, motorcycles, boats, motor homes, campers, self-contained trailers, up to NADA "Retail" on all others.
As Low As
As Low As
As Low As; *
Over $25,000
No additional details available.
As Low As
As Low As; Term: 60
As Low As; Term: 48
No additional details available.
Fixed Rates APR effective 10/1/2025. Rates subject to change without notice.
Credit Score: 700+
No additional details available.
$12
Relationship Rate; As low as APR*
As Low As; Term: 36
Relationship Rate; As low as APR*
over $20,000
As Low As
As low as APR*
No additional details available.
APR* as low as
As Low As
As low as APR*
Relationship Rate; As low as APR*
As low as ***
As Low As
Dows Personal Loan Rates
As Low As
As Low As
Dows Debt Consolidation Loan Rates
Dows Signature Loan Rates
Dows, IA Personal Loan Rate Trends
Compare local Dows, IA personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Iowa personal loan rates fell 0.048 points over the past 7 days to 11.404% APR.
Iowa signature loan rates currently average 11.657% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Dows, Iowa personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Dows, Iowa directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Dows, Iowa. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in IA.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Frequently Asked Questions
What credit score do I need for a personal loan in Iowa?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Iowa?
Are credit unions or banks better for personal loans in Dows, Iowa?
What are the best personal loan rates in Dows, Iowa?
- Power Co-Op Employees Credit Union: 3.99% (2023, 24, 25 USED Loan)
- Sioux Valley Community Credit Union: 4.35% (2018 and Older Loan)
- Community 1st Credit Union Ottumwa, IA: 4.59% (Consumer (Model Year: 2023-2026; Terms up to 48 months) Loan)
- Unite Credit Union: 4.74% (Up to 48 Months Loan)
- Members Community Credit Union: 4.75% (2023 - New Loan)
Personal Loan Calculators
