Personal loans in Ellsworth, IA

Personal loans in Ellsworth are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 492 population. Which products a lender may offer to Ellsworth's 492 residents follows from the Iowa consumer-lending framework. Decide the purpose of the loan and your repayment plan before sharing any details with a Ellsworth lender. The nearest larger city is Jewell Junction, IA about 3 miles away.

Borrowing in Ellsworth: the local picture

Ellsworth is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: about 492, ranked 442nd of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: Down about 3.0% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 15 fewer since the 2020 base.
• Size percentile: Ellsworth's 492 people outrank roughly 53% of the places in Iowa.
• Density: the Census land area of 0.9 sq mi holds about 557 people per square mile.
• By land area: Ellsworth ranks 458th among Iowa's 940 places, at 0.9 sq mi.
• Share of Iowa: Ellsworth holds about 0.0% of the state's population, some 492 people.
• Nationally: Ellsworth is the 13,233rd-largest of 19,457 Census places in the dataset.
• Growth rank: Ellsworth ranks 804th among Iowa's 940 places for the 2020-to-2023 change.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Ellsworth's 3.0%.
• Density rank: Ellsworth is the 557th most densely settled place in Iowa.
• Against the state median: Ellsworth runs about 557 residents per square mile, where the Iowa median is 672.
• Location: it lies at 42.3102, -93.5819 in the Census Gazetteer.
• Nearest larger cities: Jewell Junction (3 mi); Radcliffe (8 mi); Story City (9 mi); Roland (11 mi); Hubbard (14 mi). Larger metros often have more branches, but online lenders reach Ellsworth on the same terms.
• Smaller communities within reach: Randall (5 mi); Kamrar (9 mi); Stanhope (11 mi).
• Smaller neighbours: 83 places smaller than Ellsworth sit within 50 miles.
• At 100 miles: 249 larger Census places fall inside that radius.

Ellsworth against the rest of Iowa

Against Iowa's other places, Ellsworth accounts for about 0.0% of the state's population and ranks 442nd of 940 by size. Its 2020-to-2023 change ranks 804th of 940 Iowa places, putting it near the 14th percentile for growth. Its roughly 557 residents per square mile place it 557th among Iowa's places. The population moved by about 15 people between 2020 and 2023, a 3.0% shift.

What Iowa law requires in Ellsworth

Below are the Iowa rules that apply to a loan made in Ellsworth, each with the regulator that issued it.

Where Ellsworth sits

Ellsworth's land area is roughly 0.9 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 557 people per square mile. Des Moines, the largest place in Iowa, is about 51 miles from Ellsworth. Counting outward 50 miles, 70 larger communities surround Ellsworth. The 100-mile radius contains 249 larger places.

Steps to take before a Ellsworth loan

Before you hand your details to a lender in Ellsworth, where the population is near 492:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the Iowa licence with the regulator named above before committing.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Decide the purpose and how you will repay it before approaching any lender.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

What differs between Ellsworth and the rest of Iowa is not the process but the borrower's own file, among the 492 people here.

Borrowing reach in Ellsworth

Ellsworth is moderately settled, with about 557 people per square mile and 70 larger places within 50 miles. What is available to Ellsworth's 492 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Jewell Junction, IA about 3 miles away.