Personal loans in Hartwick, IA

Hartwick: the sourced local profile

Read the local figures below as context; read the sourced Iowa table as the rulebook a lender here must follow.

• Population: an estimated 90 residents, 836th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: Down about 2.2% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 2 fewer since the 2020 base.
• Size percentile: bigger than about 11% of the places in Iowa, with 90 residents in Hartwick.
• Population density: about 570 people per square mile (Census land area 0.2 sq mi).
• Land area: Hartwick covers 0.2 square miles, the 887th-largest area among Iowa's 940 places.
• Share of Iowa: Hartwick holds about 0.0% of the state's population, some 90 people.
• National standing: Hartwick ranks 18,299th of 19,457 US places.
• Growth in Iowa: Hartwick stands 670th by percentage change from 2020 to 2023, among 940 places.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Hartwick's 2.2%.
• Density rank: Hartwick places 545th among Iowa's places by people per square mile.
• Density vs Iowa: Hartwick's 570 people per square mile compare with a state median of 672.
• Location: coordinates 41.7856, -92.3452 (US Census Bureau Gazetteer).
• Nearest larger cities: Victor (5 mi); Brooklyn (6 mi); Belle Plaine (8 mi); Ladora (8 mi); Chelsea (10 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: Guernsey (9 mi); Vining (14 mi); Gibson (21 mi).
• Smaller places within 50 miles: 8 of them.
• Within 100 miles: 507 places are larger than Hartwick.

Which Iowa laws govern a loan in Hartwick

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

Inside a Hartwick personal loan

In Hartwick, a small community of about 90, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Hartwick loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Hartwick decides the split between a comfortable payment and the total interest you pay.

How Hartwick compares across Iowa

Within Iowa, Hartwick holds roughly 0.0% of all residents, the 836th-largest share among 940 places. For population change between 2020 and 2023, Hartwick ranks 670th of 940 in Iowa (about the 29th percentile). By density, at about 570 people per square mile, it ranks 545th in Iowa. Within 50 miles sit 8 smaller Census places, alongside the 137 that are larger.

The geography behind Hartwick

Hartwick's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 570 residents per square mile. Des Moines, the largest place in Iowa, is about 67 miles from Hartwick. Counting outward 50 miles, 137 larger communities surround Hartwick. Within the same 50 miles lie 8 smaller Census places.

How lenders reach Hartwick

At roughly 570 people per square mile, Hartwick is moderately settled; 137 larger places lie within 50 miles. Whether Hartwick has a local branch or not, a Iowa-licensed lender can serve its 90 people online on the same terms. For a larger market, the closest option is Victor, IA about 5 miles away.