Personal loans in Huxley, IA
Huxley, Iowa — home to about 4,634 people — is a small community, so the terms you are offered follow Iowa law rather than any local rule. By population, Huxley sits at 92nd in Iowa, with an estimated 4,634 residents. Verify the lender's Iowa licence against the regulator named below before borrowing in Huxley. Census figures put the 2020-to-2023 increase in Huxley at about 9.0%. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Huxley's 4,634 residents. The nearest larger metro is Ames, IA about 9 miles away.
Huxley: population, trend and location
The figures below are Huxley's own — Census population, land area and coordinates — followed by the Iowa rules.
- Population: a Census-estimated 4,634, 92nd among Iowa's 940 places (Vintage 2023).
- Population trend: Higher by roughly 9.0% since the 2020 count.
- People gained or lost: about 384 more since the 2020 base.
- Size percentile: Huxley's 4,634 people outrank roughly 90% of the places in Iowa.
- Density: the Census land area of 3.4 sq mi holds about 1,359 people per square mile.
- By land area: Huxley ranks 121st among Iowa's 940 places, at 3.4 sq mi.
- State population share: Huxley accounts for about 0.2% of everyone in Iowa.
- National rank: Huxley sits 5,041st by population among the 19,457 places in this dataset.
- Growth in Iowa: Huxley stands 17th by percentage change from 2020 to 2023, among 940 places.
- State comparison: Iowa's places average -0.7% for 2020-to-2023, against Huxley's 9.0%.
- Density in Iowa: Huxley ranks 116th by people per square mile.
- Density in context: Huxley's 1,359 people per square mile sit against a Iowa median of 672.
- Location: coordinates 41.8960, -93.5925 (US Census Bureau Gazetteer).
- Nearest larger cities: Ames (9 mi); Polk City (10 mi); Nevada (10 mi); Ankeny (11 mi); Bondurant (16 mi). Lenders licensed in the state serve Huxley whether or not they keep a local branch.
- Nearest smaller places: Cambridge (3 mi); Slater (5 mi); Kelley (5 mi).
- Smaller places within 50 miles: 127 of them.
- Within 100 miles: 51 places are larger than Huxley.
Iowa rules behind a Huxley personal loan
Read the table as a lender's compliance picture for Huxley: the rule, the sourced figure, the publisher and the date.
| 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 is available to Huxley borrowers
With about 1,359 residents per square mile, Huxley is moderately settled, and 28 larger Census places sit within 50 miles. What is available to Huxley's 4,634 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Ames, IA about 9 miles away.
A practical checklist for Huxley borrowers
Complete these steps first when you borrow in Huxley (4,634 residents):
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Line up several pre-qualified offers and let the APR decide.
- Confirm the Iowa licence with the regulator named above before committing.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Make sure the new payment leaves room in a budget you already keep.
None of these steps is Huxley-specific: the same Iowa licensing and disclosure rules reach all 4,634 residents.
Huxley's place among Iowa's 940 places
Against Iowa's other places, Huxley accounts for about 0.2% of the state's population and ranks 92nd of 940 by size. For population change between 2020 and 2023, Huxley ranks 17th of 940 in Iowa (about the 98th percentile). At about 1,359 people per square mile, Huxley is the 116th most densely settled place in Iowa. Between 2020 and 2023 the count changed by roughly 384 residents.
The geography behind Huxley
Huxley's land area is roughly 3.4 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 1,359 people per square mile. The state's population centre of gravity, Des Moines, is roughly 22 miles away. Within 50 miles of Huxley there are 28 larger Census places. The 100-mile radius contains 51 larger places.
Common questions
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Nearby places
- Cambridge, IA — population 828
- Alleman, IA — population 434
- Kelley, IA — population 308
- Slater, IA — population 1,600
- Sheldahl, IA — population 311
- Elkhart, IA — population 1,041
- Ames, IA — population 65,686
- Ankeny, IA — population 74,458