Personal loans in Hartley, IA

Hartley: population, trend and location

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

• Population: 1,570 — Hartley ranks 199th of 940 communities in Iowa (US Census Bureau, Vintage 2023).
• Population trend: A drop of about 2.2% from 2020 to 2023.
• Absolute change: 36 residents lost between 2020 and 2023.
• Size percentile: roughly 79% of Iowa's places have fewer residents than Hartley's 1,570.
• Land and density: 1.3 square miles of land carry roughly 1,180 residents per square mile.
• Land area rank: Hartley's 1.3 square miles rank 292nd of 940 places in Iowa.
• Within Iowa: about 0.1% of the state's population lives in Hartley.
• National rank: Hartley is 8,532nd of 19,457 places nationwide.
• Growth rank: Hartley ranks 686th among Iowa's 940 places for the 2020-to-2023 change.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Hartley's 2.2%.
• Density rank: Hartley places 173rd among Iowa's places by people per square mile.
• Density in context: Hartley's 1,180 people per square mile sit against a Iowa median of 672.
• Location: it lies at 43.1791, -95.4768 in the Census Gazetteer.
• Nearest larger cities: Spencer (16 mi); Sheldon (18 mi); Milford (20 mi); Sibley (20 mi); Spirit Lake (25 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller places: Everly (8 mi); Sanborn (9 mi); Primghar (10 mi).
• Smaller neighbours: 102 places smaller than Hartley sit within 50 miles.
• At 100 miles: 81 larger Census places fall inside that radius.

What is available to Hartley borrowers

Hartley is moderately settled, with about 1,180 people per square mile and 21 larger places within 50 miles. A Iowa licence lets a lender serve Hartley without a local office, so branch density does not change what its 1,570 residents are offered. The nearest larger city, Spencer, IA about 16 miles away.

How a Hartley personal loan is priced

With roughly 1,570 residents, Hartley is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Hartley. A longer term lowers the monthly payment on a Hartley loan but raises total interest, so the smallest payment is not the cheapest loan.

Hartley in state context

Among Iowa's 940 places, Hartley sits at 199th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Hartley stands 686th among Iowa's 940 places — roughly the 27th percentile. At about 1,180 people per square mile, Hartley is the 173rd most densely settled place in Iowa. In land area, Hartley ranks 292nd among Iowa's 940 places.

Which Iowa laws govern a loan in Hartley

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

Before you apply in Hartley

Before you apply in Hartley, a community of about 1,570, work through these steps:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Look the lender up in the Iowa regulator's licence records before you sign.
5. Weigh a shorter term's higher payment against the interest it saves.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Be clear on what the loan is for and how it gets repaid.

The process is identical across Iowa; what changes is your credit file, not the fact that Hartley holds 1,570 people.