Personal loans in Benton, IA

Benton: the sourced local profile

What follows is Benton's place in the Census record, alongside the Iowa rules that govern a personal loan made here.

• Population: about 40 people live here, which puts Benton 909th of 940 Census places in Iowa (Vintage 2023).
• Population trend: No meaningful shift since the 2020 count.
• Size percentile: roughly 3% of Iowa's places have fewer residents than Benton's 40.
• Density: roughly 53 residents per square mile, spread over 0.8 sq mi of land.
• By land area: Benton ranks 495th among Iowa's 940 places, at 0.8 sq mi.
• Within Iowa: about 0.0% of the state's population lives in Benton.
• National standing: Benton ranks 19,102nd of 19,457 US places.
• Growth in Iowa: Benton stands 281st by percentage change from 2020 to 2023, among 940 places.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Benton's 0.0%.
• Density rank: Benton is the 929th most densely settled place in Iowa.
• Density vs Iowa: Benton's 53 people per square mile compare with a state median of 672.
• Location: the Census Gazetteer records it at 40.7043, -94.3599.
• Nearest larger cities: Mount Ayr (6 mi); Redding (7 mi); Diagonal (7 mi); Blockton (9 mi); Clearfield (9 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Maloy (3 mi); Irena (11 mi); Conway (14 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 12 of them.
• Within 100 miles: 452 places are larger than Benton.

Getting a loan in Benton

At roughly 53 people per square mile, Benton is sparsely settled; 99 larger places lie within 50 miles. Distance to a branch rarely matters for Benton's 40 residents: the application is online and the price follows your credit file. The nearest bigger place is Mount Ayr, IA about 6 miles away.

Benton against the rest of Iowa

Within Iowa, Benton holds roughly 0.0% of all residents, the 909th-largest share among 940 places. For population change between 2020 and 2023, Benton ranks 281st of 940 in Iowa (about the 70th percentile). At about 53 people per square mile, Benton is the 929th most densely settled place in Iowa. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.

What to do before borrowing in Benton

These steps shape the offer you get in Benton, a place of about 40 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the Iowa licence with the regulator named above before committing.
5. Be clear on what the loan is for and how it gets repaid.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

The process is identical across Iowa; what changes is your credit file, not the fact that Benton holds 40 people.

How Iowa law applies in Benton

When Iowa does not publish a figure, the row links to the source instead of inventing a number; Benton is bound by the same rules.

What shapes a Benton personal loan

Benton is a small community of about 40 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Benton's rank of 909th in Iowa: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Benton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.