Personal loans in Hanlontown, IA
State law, not city hall, decides what a lender may do to Hanlontown's roughly 202 residents, and a state regulator supervises it. Hanlontown is a small community in Iowa, with an estimated 202 residents, and every licensed lender here follows the same state rulebook. Roughly 202 residents live in Hanlontown, the 662nd-largest community in Iowa. From the 2020 Census base to the 2023 estimate, the population declined by about 2.9%. Compare APR, not the interest rate, because the APR folds in most fees on a Hanlontown loan. The nearest larger metro is Fertile, IA about 3 miles away.
Local context for Hanlontown
Here is the sourced Census picture for Hanlontown, plus the Iowa lending rules that apply to a loan taken out here.
- Population: about 202 people live here, which puts Hanlontown 662nd of 940 Census places in Iowa (Vintage 2023).
- Population trend: Roughly 2.9% fewer residents than the 2020 Census counted.
- People gained or lost: about 6 fewer since the 2020 base.
- Size percentile: roughly 30% of Iowa places rank below Hanlontown.
- Population density: about 208 people per square mile across 1.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Hanlontown's 1.0 square miles rank 427th of 940 places in Iowa.
- Within Iowa: about 0.0% of the state's population lives in Hanlontown.
- National rank: Hanlontown sits 16,460th by population among the 19,457 places in this dataset.
- Growth rank: Hanlontown's 2020-to-2023 change ranks 800th of 940 places in Iowa.
- State comparison: Iowa's places average -0.7% for 2020-to-2023, against Hanlontown's 2.9%.
- Density rank: Hanlontown is the 809th most densely settled place in Iowa.
- Density vs Iowa: Hanlontown's 208 people per square mile compare with a state median of 672.
- Location: mapped by the US Census Bureau at 43.2809, -93.3789.
- Nearest larger cities: Fertile (3 mi); Joice (7 mi); Manly (9 mi); Kensett (10 mi); Clear Lake (10 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities within reach: Rock Falls (16 mi); Scarville (18 mi); Twin Lakes (19 mi).
- Smaller places within 50 miles: 37 of them.
- Larger places within 100 miles: 368.
Hanlontown on the map
The Census Gazetteer records about 1.0 square miles of land within Hanlontown, with no significant water area listed. That land carries about 208 people per square mile. The state's population centre of gravity, Des Moines, is roughly 119 miles away. Counting outward 50 miles, 88 larger communities surround Hanlontown. By land area it ranks 427th of 940 Iowa places.
Lender access in Hanlontown
Hanlontown is a lightly settled community of about 202 people, with 88 larger places inside a 50-mile radius. What is available to Hanlontown's 202 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Fertile, IA about 3 miles away.
What Iowa law requires in Hanlontown
Below are the Iowa rules that apply to a loan made in Hanlontown, each with the regulator that issued it.
| 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 |
| Payday lending status | Permitted under license (delayed deposit services; must be physically located in Iowa) Source says: "A person shall not operate a delayed deposit services business in this state unless the person is physically located in this state and licensed by the superintendent". | Iowa Legislature (Iowa Code) 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 |
What to do before borrowing in Hanlontown
These steps shape the offer you get in Hanlontown, a place of about 202 people:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Use the loan calculator to test the payment on your intended amount and term.
- Get several pre-qualifications and compare APR side by side before choosing.
- Verify the lender's Iowa licence with the regulator listed on this page.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
- Make sure the new payment leaves room in a budget you already keep.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
The process is identical across Iowa; what changes is your credit file, not the fact that Hanlontown holds 202 people.
How Hanlontown compares across Iowa
Set beside Iowa's 940 places, Hanlontown ranks 662nd by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Hanlontown ranks 800th of 940 in Iowa (about the 15th percentile). Its roughly 208 residents per square mile place it 809th among Iowa's places. Between 2020 and 2023 the count changed by roughly 6 residents.
Common questions
What are my options in Hanlontown if my credit is poor?
What loan size can I expect in Hanlontown?
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Does comparing loans in Hanlontown cost me credit score points?
Nearby places
- Fertile, IA — population 299
- Joice, IA — population 204
- Clear Lake, IA — population 7,567
- Ventura, IA — population 697
- Manly, IA — population 1,231
- Kensett, IA — population 255
- Lake Mills, IA — population 2,115
- Mason City, IA — population 26,906