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.
What the Census records for Dougherty
The figures below are Dougherty's own — Census population, land area and coordinates — followed by the Iowa rules.
- Population: 61 people, a figure that places Dougherty 881st among the 940 Census places in Iowa (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 3.2%.
- Change in people: the 2020-to-2023 comparison is a loss of about 2 residents.
- Size percentile: about 6% of Iowa communities are smaller than Dougherty (61 residents).
- Population density: about 109 people per square mile across 0.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Dougherty covers 0.6 square miles, the 613th-largest area among Iowa's 940 places.
- Within Iowa: about 0.0% of the state's population lives in Dougherty.
- Nationally: Dougherty is the 18,805th-largest of 19,457 Census places in the dataset.
- Growth rank: Dougherty ranks 834th among Iowa's 940 places for the 2020-to-2023 change.
- Versus Iowa: the state average change is -0.7%, while Dougherty moved 3.2%.
- Density in Iowa: Dougherty ranks 895th by people per square mile.
- Against the state median: Dougherty runs about 109 residents per square mile, where the Iowa median is 672.
- Location: mapped by the US Census Bureau at 42.9220, -93.0361.
- Nearest larger cities: Rockwell (9 mi); Sheffield (9 mi); Marble Rock (9 mi); Rockford (10 mi); Hansell (12 mi). Living near a larger metro rarely changes what is available in Dougherty.
- Smaller towns nearby: Aredale (6 mi); Colwell (28 mi); Bassett (28 mi).
- Smaller neighbours: 6 places smaller than Dougherty sit within 50 miles.
- Within 100 miles: 493 places are larger than Dougherty.
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.
| 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 |
| 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 |
| 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.
Common questions
What are my options in Dougherty if my credit is poor?
What loan size can I expect in Dougherty?
Do I have to pledge anything to borrow in Dougherty?
Does comparing loans in Dougherty cost me credit score points?
Nearby places
- Aredale, IA — population 59
- Rockford, IA — population 741
- Rockwell, IA — population 1,044
- Marble Rock, IA — population 262
- Sheffield, IA — population 1,107
- Hansell, IA — population 82
- Dumont, IA — population 618
- Bristow, IA — population 139