Personal loans in Wallingford, IA

Wallingford: population, trend and location

Set out below is Wallingford's local context next to the state-level rules that reach every lender here.

• Population: a Census-estimated 156, 728th among Iowa's 940 places (Vintage 2023).
• Population trend: Lower by roughly 4.9% since the 2020 count.
• Net change: roughly 8 fewer people than the 2020 Census counted.
• Size percentile: roughly 23% of Iowa's places have fewer residents than Wallingford's 156.
• Land and density: 1.0 square miles of land carry roughly 158 residents per square mile.
• By land area: Wallingford ranks 419th among Iowa's 940 places, at 1.0 sq mi.
• State share: roughly 0.0% of Iowa's residents live in Wallingford (156 people).
• National rank: Wallingford is the 17,213th most populous of the 19,457 Census places covered here.
• Growth rank: Wallingford ranks 928th among Iowa's 940 places for the 2020-to-2023 change.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Wallingford's 4.9%.
• Density rank: Wallingford is the 856th most densely settled place in Iowa.
• Density in context: Wallingford's 158 people per square mile sit against a Iowa median of 672.
• Location: 43.3203, -94.7922 (Census Gazetteer coordinates).
• Nearest larger cities: Estherville (6 mi); Graettinger (6 mi); Terril (9 mi); Ruthven (14 mi); Ringsted (14 mi). Living near a larger metro rarely changes what is available in Wallingford.
• Smaller places nearby: Gruver (7 mi); Superior (11 mi); Dolliver (13 mi).
• Smaller neighbours: 35 places smaller than Wallingford sit within 50 miles.
• Within 100 miles: 364 places are larger than Wallingford.

Where Wallingford sits

Wallingford covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 158 people per square mile. Des Moines, the largest place in Iowa, is about 135 miles from Wallingford. Counting outward 50 miles, 79 larger communities surround Wallingford. The 100-mile radius contains 364 larger places.

Before you apply in Wallingford

These steps shape the offer you get in Wallingford, a place of about 156 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Model the payment on the calculator before a lender models it for you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the lender holds a Iowa licence by checking the regulator named above.
5. Keep the amount to the expense; an approval is not a reason to take more.
6. Write down the purpose of the loan and your repayment plan before you apply.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

None of these steps is Wallingford-specific: the same Iowa licensing and disclosure rules reach all 156 residents.

Where Wallingford sits in Iowa

Set beside Iowa's 940 places, Wallingford ranks 728th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Wallingford ranks 928th of 940 in Iowa (about the 1th percentile). Its roughly 158 residents per square mile place it 856th among Iowa's places. In land area, Wallingford ranks 419th among Iowa's 940 places.

Inside a Wallingford personal loan

In Wallingford, a small community of about 156, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Wallingford's 156 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Wallingford loan is knowable in advance — unlike a revolving card balance.

Which Iowa laws govern a loan in Wallingford

Iowa has no separate rate rule for Wallingford; the sourced rows below are what reach every lender that serves its 156 people.