Personal loans in Carroll, IA
Carroll is a small town in Iowa, with an estimated 10,163 residents, and every licensed lender here follows the same state rulebook. The Census counts 10,163 people in Carroll, the 41st-largest figure among Iowa's 940 places. The nearest larger metro is Storm Lake, IA about 43 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 1.5%. To lend to Carroll's 10,163 residents, a company must hold a Iowa licence, and each sourced row below names the regulator behind it. Work out your debt-to-income ratio first; lenders weigh it heavily, and Carroll's 10,163 residents are no exception.
Borrowing in Carroll: the local picture
What follows is Carroll's place in the Census record, alongside the Iowa rules that govern a personal loan made here.
- Population: about 10,163, ranked 41st of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
- Population trend: Lower by roughly 1.5% since the 2020 count.
- Change in people: the 2020-to-2023 comparison is a loss of about 156 residents.
- Size percentile: roughly 96% of Iowa's places have fewer residents than Carroll's 10,163.
- Population density: about 1,690 people per square mile (Census land area 6.0 sq mi).
- By land area: Carroll ranks 63rd among Iowa's 940 places, at 6.0 sq mi.
- Share of state population: Carroll's 10,163 residents are about 0.4% of Iowa.
- National rank: Carroll sits 3,126th by population among the 19,457 places in this dataset.
- Growth rank: Carroll's 2020-to-2023 change ranks 539th of 940 places in Iowa.
- State comparison: Iowa's places average -0.7% for 2020-to-2023, against Carroll's 1.5%.
- Density in Iowa: Carroll ranks 43rd by people per square mile.
- Against the state median: Carroll runs about 1,690 residents per square mile, where the Iowa median is 672.
- Location: the Census Gazetteer records it at 42.0703, -94.8646.
- Nearest larger cities: Storm Lake (43 mi); Fort Dodge (46 mi); Boone (51 mi); Waukee (60 mi); Grimes (61 mi). Lenders licensed in the state serve Carroll whether or not they keep a local branch.
- Nearest smaller places: Lidderdale (5 mi); Willey (7 mi); Halbur (7 mi).
- Smaller neighbours: 128 places smaller than Carroll sit within 50 miles.
- Larger places within 100 miles: 27.
Carroll: area, density and distance
The Census Gazetteer records about 6.0 square miles of land within Carroll, with no significant water area listed. The resulting density is about 1,690 people per square mile. The largest place in Iowa, Des Moines, lies about 73 miles away. Within 50 miles of Carroll there are 2 larger Census places. By land area it ranks 63rd of 940 Iowa places.
Inside a Carroll personal loan
In Carroll, a small town of about 10,163, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Carroll can be quoted different APRs on the same amount and term. Shortening the term on a Carroll loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Carroll against the rest of Iowa
Carroll is the 41st-largest of 940 Census places in Iowa and contains about 0.4% of the state's people. On the 2020-to-2023 trend, Carroll stands 539th among Iowa's 940 places — roughly the 43th percentile. By density, at about 1,690 people per square mile, it ranks 43rd in Iowa. Within 50 miles sit 128 smaller Census places, alongside the 2 that are larger.
Iowa rules behind a Carroll personal loan
Read the table as a lender's compliance picture for Carroll: the rule, the sourced figure, the publisher and the date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
| 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 |
Borrowing reach in Carroll
Carroll is a moderately settled community of about 10,163 people, with 2 larger places inside a 50-mile radius. What is available to Carroll's 10,163 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Storm Lake, IA about 43 miles away.
Common questions
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Nearby places
- Lidderdale, IA — population 163
- Willey, IA — population 71
- Halbur, IA — population 268
- Glidden, IA — population 1,150
- Breda, IA — population 494
- Dedham, IA — population 221
- Templeton, IA — population 341
- Arcadia, IA — population 578