Personal loans in Ackley, IA

Census figures put the 2020-to-2023 decrease in Ackley at about 3.8%. Work out your debt-to-income ratio first; lenders weigh it heavily, and Ackley's 1,538 residents are no exception. Borrowers who want a bigger city can look to Iowa Falls, IA about 11 miles away. For the 1,538 people in Ackley, Iowa runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

What the Census records for Ackley

Set out below is Ackley's local context next to the state-level rules that reach every lender here.

• Population: the Census counts 1,538 residents in Ackley (Vintage 2023 subcounty estimate), the 203rd-largest figure among Iowa's 940 places.
• Population trend: Down about 3.8% from the 2020 Census base to the 2023 estimate.
• Absolute change: 61 residents lost between 2020 and 2023.
• Size percentile: about 78% of Iowa communities are smaller than Ackley (1,538 residents).
• Density: the Census land area of 2.5 sq mi holds about 626 people per square mile.
• By land area: Ackley ranks 166th among Iowa's 940 places, at 2.5 sq mi.
• Water area: Ackley has 0.03 square miles of water, ranking 98th of 940 places in Iowa.
• State share: roughly 0.1% of Iowa's residents live in Ackley (1,538 people).
• Nationally: Ackley is the 8,601st-largest of 19,457 Census places in the dataset.
• Growth in Iowa: Ackley stands 896th by percentage change from 2020 to 2023, among 940 places.
• Versus Iowa: the state average change is -0.7%, while Ackley moved 3.8%.
• Density in Iowa: Ackley ranks 506th by people per square mile.
• Density in context: Ackley's 626 people per square mile sit against a Iowa median of 672.
• Location: 42.5517, -93.0523 (US Census Bureau Gazetteer).
• Nearest larger cities: Iowa Falls (11 mi); Eldora (13 mi); Parkersburg (14 mi); Hampton (15 mi); Grundy Center (19 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller places close by: Aplington (9 mi); Geneva (9 mi); Steamboat Rock (10 mi).
• Smaller places within 50 miles: 102 of them.
• Larger places within 100 miles: 126.

Ackley's place among Iowa's 940 places

Ackley is the 203rd-largest of 940 Census places in Iowa and contains about 0.1% of the state's people. For population change between 2020 and 2023, Ackley ranks 896th of 940 in Iowa (about the 5th percentile). At about 626 people per square mile, Ackley is the 506th most densely settled place in Iowa. Between 2020 and 2023 the count changed by roughly 61 residents.

Ackley: area, density and distance

Inside Ackley's boundaries lie roughly 2.5 square miles of land and 0.03 square miles of water. That land carries about 626 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 73 miles. Counting outward 50 miles, 28 larger communities surround Ackley. By land area it ranks 166th of 940 Iowa places.

A pre-application checklist for Ackley

These steps shape the offer you get in Ackley, a place of about 1,538 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Check the Iowa regulator's records to confirm the lender is licensed here.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Test the payment against your current bills before you commit.
7. Weigh a shorter term's higher payment against the interest it saves.

None of these steps is Ackley-specific: the same Iowa licensing and disclosure rules reach all 1,538 residents.

How a Ackley personal loan is priced

A Ackley personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,538 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Ackley. Because the payment is fixed, the total cost of a Ackley loan is knowable in advance — unlike a revolving card balance.

Which Iowa laws govern a loan in Ackley

These are Iowa's sourced lending facts as they reach Ackley's 1,538 residents; the state has no city-level rate rule.