Personal loans in Malvern, IA
Two households in Malvern with comparable incomes can still be offered different rates; the city's 1,051 residents are not the reason. Roughly 1,051 residents live in Malvern, the 266th-largest community in Iowa.
Malvern gained roughly 1.1% in population across the 2020-to-2023 comparison. Pull your credit reports and line up at least three offers before you apply from Malvern. A larger market lies at Glenwood, IA about 9 miles away. Consumer lending that reaches Malvern's 1,051 residents is governed by Iowa statute; no city ordinance changes it.
Malvern: population, trend and location
Set out below is Malvern's local context next to the state-level rules that reach every lender here.
- Population: 1,051 — Malvern ranks 266th of 940 communities in Iowa (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is positive, near 1.1%.
- Net change: roughly 11 more people than the 2020 Census counted.
- Size percentile: bigger than about 72% of the places in Iowa, with 1,051 residents in Malvern.
- Land and density: 1.6 square miles of land carry roughly 659 residents per square mile.
- Land area rank: Malvern's 1.6 square miles rank 255th of 940 places in Iowa.
- Within Iowa: about 0.0% of the state's population lives in Malvern.
- National rank: Malvern is 10,022nd of 19,457 places nationwide.
- Growth rank: Malvern's 2020-to-2023 change ranks 145th of 940 places in Iowa.
- Versus Iowa: the state average change is -0.7%, while Malvern moved 1.1%.
- Density rank: Malvern is the 482nd most densely settled place in Iowa.
- Density vs Iowa: Malvern's 659 people per square mile compare with a state median of 672.
- Location: mapped by the US Census Bureau at 41.0037, -95.5841.
- Nearest larger cities: Glenwood (9 mi); Treynor (16 mi); Plattsmouth (16 mi); Red Oak (19 mi); Shenandoah (20 mi). Living near a larger metro rarely changes what is available in Malvern.
- Smaller places close by: Hastings (5 mi); Silver City (8 mi); Tabor (9 mi).
- Within a 50-mile radius: 89 smaller Census places.
- Larger places within 100 miles: 107.
How a Malvern personal loan is priced
With roughly 1,051 residents, Malvern 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 Malvern's rank of 266th in Iowa: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Malvern decides the split between a comfortable payment and the total interest you pay.
How lenders reach Malvern
Malvern is moderately settled, with about 659 people per square mile and 38 larger places within 50 miles. A Iowa licence lets a lender serve Malvern without a local office, so branch density does not change what its 1,051 residents are offered. The nearest larger city, Glenwood, IA about 9 miles away.
Malvern: area, density and distance
The Census Gazetteer records about 1.6 square miles of land within Malvern, with no significant water area listed. With 1,051 residents, the land area yields roughly 659 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 110 miles. Counting outward 50 miles, 38 larger communities surround Malvern. By land area it ranks 255th of 940 Iowa places.
The Iowa lending rules that reach Malvern
When Iowa does not publish a figure, the row links to the source instead of inventing a number; Malvern is bound by the same rules.
| 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 |
| 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 |
| Delayed deposit fee cap | Fee cap: $15 on first $100 of check face amount; $10 on subsequent $100 increments Source says: "fifteen dollars on the first one hundred dollars ... or more than ten dollars on subsequent one hundred dollar increments". | Iowa Legislature (Iowa Code) as of 2026-09-16 |
Malvern in state context
Malvern is the 266th-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Malvern stands 145th among Iowa's 940 places — roughly the 85th percentile. At about 659 people per square mile, Malvern is the 482nd most densely settled place in Iowa. The population moved by about 11 people between 2020 and 2023, a 1.1% shift.
Common questions
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Nearby places
- Hastings, IA — population 157
- Silver City, IA — population 246
- Randolph, IA — population 181
- Tabor, IA — population 984
- Glenwood, IA — population 5,175
- Emerson, IA — population 399
- Imogene, IA — population 38
- Henderson, IA — population 140