Personal loans in Mount Ayr, IA

The Census counts 1,626 people in Mount Ayr, the 196th-largest figure among Iowa's 940 places. Begin with the payment, then weigh APR and total interest across the lenders that reach Mount Ayr's 1,626 residents. Lenders active in Mount Ayr report to a Iowa supervisor, identified in the sourced rows below. The closest larger city is Lamoni, IA about 17 miles away.

What the Census records for Mount Ayr

Mount Ayr is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: 1,626 residents; Mount Ayr is the 196th-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is under a tenth of a percent.
• Size percentile: Mount Ayr sits ahead of around 79% of Iowa places, at 1,626 people.
• Population density: about 602 people per square mile (Census land area 2.7 sq mi).
• Land area rank: Mount Ayr's 2.7 square miles rank 154th of 940 places in Iowa.
• Water: Mount Ayr holds about 0.02 square miles, the 129th-largest water area in Iowa.
• State share: roughly 0.1% of Iowa's residents live in Mount Ayr (1,626 people).
• National rank: Mount Ayr sits 8,408th by population among the 19,457 places in this dataset.
• Growth rank: Mount Ayr's 2020-to-2023 change ranks 232nd of 940 places in Iowa.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Mount Ayr's 0.0%.
• Density in Iowa: Mount Ayr ranks 521st by people per square mile.
• Against the state median: Mount Ayr runs about 602 residents per square mile, where the Iowa median is 672.
• Location: 40.7141, -94.2372 (Census Gazetteer coordinates).
• Nearest larger cities: Lamoni (17 mi); Creston (25 mi); Leon (25 mi); Osceola (32 mi); Albany (33 mi). Online lenders reach Mount Ayr no matter how far the nearest branch is.
• Smaller communities within reach: Benton (6 mi); Diagonal (9 mi); Maloy (10 mi).
• Smaller neighbours: 99 places smaller than Mount Ayr sit within 50 miles.
• At 100 miles: 93 larger Census places fall inside that radius.

What shapes a Mount Ayr personal loan

Most loans made to Mount Ayr's 1,626 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Mount Ayr's rank of 196th in Iowa: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Mount Ayr loan but raises total interest, so the smallest payment is not the cheapest loan.

Getting a loan in Mount Ayr

With about 602 residents per square mile, Mount Ayr is moderately settled, and 10 larger Census places sit within 50 miles. What is available to Mount Ayr's 1,626 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Lamoni, IA about 17 miles away.

Where Mount Ayr sits in Iowa

Against Iowa's other places, Mount Ayr accounts for about 0.1% of the state's population and ranks 196th of 940 by size. On the 2020-to-2023 trend, Mount Ayr stands 232nd among Iowa's 940 places — roughly the 75th percentile. Its roughly 602 residents per square mile place it 521st among Iowa's places. By land area, its 2.7 square miles rank 154th of 940 places in Iowa.

Mount Ayr on the map

Mount Ayr's land area is about 2.7 square miles; a further 0.02 square miles is water. That land carries about 602 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 68 miles. Within 50 miles of Mount Ayr there are 10 larger Census places. By land area it ranks 154th of 940 Iowa places.

The state rulebook for Mount Ayr

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