Personal loans in Ackworth, IA

In Ackworth, one of 940 Census places in Iowa, the figure to compare across lenders is the APR, not the advertised rate. The Census counts 117 people in Ackworth, the 791st-largest figure among Iowa's 940 places.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Census data show virtually no population shift in Ackworth between 2020 and 2023. When Iowa caps or restricts a product, lenders either change the terms or withdraw it from Ackworth as from the rest of the state. Compare APR, not the interest rate, because the APR folds in most fees on a Ackworth loan. The closest larger city is Indianola, IA about 5 miles away.

Ackworth by the numbers

The figures below are Ackworth's own — Census population, land area and coordinates — followed by the Iowa rules.

Inside a Ackworth personal loan

Ackworth is a small community of about 117 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Ackworth's 117 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Ackworth loan is knowable in advance — unlike a revolving card balance.

Ackworth's place among Iowa's 940 places

Among Iowa's 940 places, Ackworth sits at 791st for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Ackworth stands 257th among Iowa's 940 places — roughly the 73th percentile. By density, at about 213 people per square mile, it ranks 806th in Iowa. By land area, its 0.6 square miles rank 625th of 940 places in Iowa.

Land, water and location for Ackworth

Ackworth's land area is roughly 0.6 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 213 residents per square mile. For the state's biggest city, Des Moines, the distance is roughly 16 miles. A 50-mile radius around Ackworth takes in 112 places that are larger. The 100-mile radius contains 395 larger places.

Lender access in Ackworth

Ackworth is lightly settled, with about 213 people per square mile and 112 larger places within 50 miles. What is available to Ackworth's 117 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest larger city, Indianola, IA about 5 miles away.

What Iowa law requires in Ackworth

Every row below records a Iowa rule, its publisher and its retrieval date — the same rules a Ackworth lender must follow.

RuleDetailSource
State lending regulatorIowa 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
Small-loan / installment lender licensingRegulated 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
Delayed deposit fee capFee 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

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Ackworth if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Ackworth is the same as anywhere in Iowa.
What loan size can I expect in Ackworth?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Ackworth?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Ackworth cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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