Personal loans in Dougherty, IA

Dougherty ranks 881st of 940 places in Iowa, with a population near 61. The first question in Dougherty is not the rate on offer but whether the payment fits; about 61 people live here under Iowa lending law. Population in Dougherty dropped about 3.2% over the three years from 2020 to 2023. Decide the purpose of the loan and your repayment plan before sharing any details with a Dougherty lender. A single loan can carry different costs on either side of a state line, and Dougherty sits on the Iowa side of that line. The nearest larger metro is Rockwell, IA about 9 miles away.

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.

What the Census records for Dougherty

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

What is available to Dougherty borrowers

At roughly 109 people per square mile, Dougherty is lightly settled; 119 larger places lie within 50 miles. Distance to a branch rarely matters for Dougherty's 61 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Rockwell, IA about 9 miles away.

How Dougherty compares across Iowa

Set beside Iowa's 940 places, Dougherty ranks 881st by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Dougherty stands 834th among Iowa's 940 places — roughly the 11th percentile. At about 109 people per square mile, Dougherty is the 895th most densely settled place in Iowa. Within 50 miles sit 6 smaller Census places, alongside the 119 that are larger.

The state rulebook for Dougherty

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

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
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
Maximum legal interest rate (usury cap)2 percentage points above the monthly average 10-year U.S. Treasury constant maturity rate (written agreements)
Source says: "The maximum lawful rate of interest ... in any written agreement ... shall be two percentage points above the monthly average ten-year constant maturity interest rate".
Iowa Legislature (Iowa Code)
as of 2026-09-16

What a Dougherty borrower is actually offered

In Dougherty, a small community of about 61, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Dougherty lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Dougherty loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Dougherty sits

Dougherty's land area is roughly 0.6 square miles, and the Gazetteer records no significant water area within it. That land carries about 109 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 98 miles. Within 50 miles of Dougherty there are 119 larger Census places. By land area it ranks 613th of 940 Iowa places.

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 Dougherty 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 Dougherty is the same as anywhere in Iowa.
What loan size can I expect in Dougherty?
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 Dougherty?
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 Dougherty 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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