Personal loans in Harcourt, IA

Personal loans in Harcourt are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 255 population. The trend for Harcourt between 2020 and 2023 is downward by roughly 3.4%. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Harcourt loan. Borrowers who want a bigger city can look to Dayton, IA about 5 miles away.

Local context for Harcourt

Most of what governs a Harcourt loan is written in Iowa law rather than in the city; the sourced notes below make that split concrete.

• Population: 255 residents; Harcourt is the 603rd-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: Roughly 3.4% fewer residents than the 2020 Census counted.
• Net change: roughly 9 fewer people than the 2020 Census counted.
• Size percentile: bigger than about 36% of the places in Iowa, with 255 residents in Harcourt.
• Density: roughly 252 residents per square mile, spread over 1.0 sq mi of land.
• By land area: Harcourt ranks 394th among Iowa's 940 places, at 1.0 sq mi.
• Share of Iowa: Harcourt holds about 0.0% of the state's population, some 255 people.
• National rank: Harcourt sits 15,692nd by population among the 19,457 places in this dataset.
• Growth rank: Harcourt's 2020-to-2023 change ranks 871st of 940 places in Iowa.
• Against the state trend: Harcourt's 3.4% change compares with a Iowa average of -0.7% across its 940 places.
• Density in Iowa: Harcourt ranks 779th by people per square mile.
• Density in context: Harcourt's 252 people per square mile sit against a Iowa median of 672.
• Location: 42.2606 / -94.1745, per the US Census Bureau Gazetteer.
• Nearest larger cities: Dayton (5 mi); Gowrie (6 mi); Lehigh (9 mi); Callender (9 mi); Otho (11 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities close by: Boxholm (7 mi); Paton (8 mi); Pilot Mound (11 mi), each with its own Census population profile.
• Within a 50-mile radius: 48 smaller Census places.
• At 100 miles: 323 larger Census places fall inside that radius.

How Harcourt compares across Iowa

Among Iowa's 940 places, Harcourt sits at 603rd for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 871st of 940 Iowa places, putting it near the 7th percentile for growth. At about 252 people per square mile, Harcourt is the 779th most densely settled place in Iowa. Within 50 miles sit 48 smaller Census places, alongside the 92 that are larger.

Harcourt: area, density and distance

Harcourt's land area is roughly 1.0 square miles, and the Gazetteer records no significant water area within it. With 255 residents, the land area yields roughly 252 people per square mile. The state's population centre of gravity, Des Moines, is roughly 56 miles away. Counting outward 50 miles, 92 larger communities surround Harcourt. By land area it ranks 394th of 940 Iowa places.

A pre-application checklist for Harcourt

Before you hand your details to a lender in Harcourt, where the population is near 255:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised 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. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.

None of these steps is Harcourt-specific: the same Iowa licensing and disclosure rules reach all 255 residents.

Iowa consumer-lending rules applied in Harcourt

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

What a Harcourt borrower is actually offered

With roughly 255 residents, Harcourt is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Harcourt's rank of 603rd in Iowa: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Harcourt loan raises the monthly payment but cuts the interest; lengthening it does the reverse.