Personal loans in Welton, IA
The 2020 count to the 2023 estimate shows about 0.8% decline in Welton. The first question in Welton is not the rate on offer but whether the payment fits; about 127 people live here under Iowa lending law. At about 127 residents, Welton is larger than roughly 17% of the places in Iowa. A larger market lies at DeWitt, IA about 6 miles away. For the 127 people in Welton, Iowa runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Decide the purpose of the loan and your repayment plan before sharing any details with a Welton lender.
What the Census records for Welton
Welton is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: about 127, ranked 776th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
- Population trend: Lower by roughly 0.8% since the 2020 count.
- Absolute change: 1 residents lost between 2020 and 2023.
- Size percentile: bigger than about 17% of the places in Iowa, with 127 residents in Welton.
- Population density: 483 people per square mile on 0.3 square miles of land.
- Land area rank: Welton's 0.3 square miles rank 815th of 940 places in Iowa.
- Within Iowa: about 0.0% of the state's population lives in Welton.
- National rank: Welton is 17,665th of 19,457 places nationwide.
- Growth rank: Welton's 2020-to-2023 change ranks 382nd of 940 places in Iowa.
- Against the state trend: Welton's 0.8% change compares with a Iowa average of -0.7% across its 940 places.
- Density in Iowa: Welton ranks 615th by people per square mile.
- Density in context: Welton's 483 people per square mile sit against a Iowa median of 672.
- Location: latitude 41.9055, longitude -90.5956 (Census Gazetteer).
- Nearest larger cities: DeWitt (6 mi); Grand Mound (6 mi); Delmar (6 mi); Charlotte (8 mi); Calamus (10 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places close by: Toronto (14 mi); Spragueville (14 mi); Baldwin (17 mi).
- Within a 50-mile radius: 13 smaller Census places.
- At 100 miles: 522 larger Census places fall inside that radius.
The state rulebook for Welton
These are Iowa's sourced lending facts as they reach Welton's 127 residents; the state has no city-level rate rule.
| 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 |
| Maximum legal interest rate (usury cap) | 2 percentage points above the monthly average 10-year U.S. Treasury constant maturity rate (written agreements) Source says: "The maximum lawful rate of interest ... in any written agreement ... shall be two percentage points above the monthly average ten-year constant maturity interest rate". | Iowa Legislature (Iowa Code) 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 |
Where Welton sits in Iowa
Against Iowa's other places, Welton accounts for about 0.0% of the state's population and ranks 776th of 940 by size. Its 2020-to-2023 change ranks 382nd of 940 Iowa places, putting it near the 59th percentile for growth. At about 483 people per square mile, Welton is the 615th most densely settled place in Iowa. Between 2020 and 2023 the count changed by roughly 1 residents.
Where Welton sits
Inside Welton's boundaries lie about 0.3 square miles of land, with no significant water area recorded. Spread across it are roughly 483 residents per square mile. The state's population centre of gravity, Des Moines, is roughly 157 miles away. Within 50 miles of Welton there are 134 larger Census places. Within the same 50 miles lie 13 smaller Census places.
Getting a loan in Welton
With about 483 residents per square mile, Welton is lightly settled, and 134 larger Census places sit within 50 miles. What is available to Welton's 127 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest larger city, DeWitt, IA about 6 miles away.
What shapes a Welton personal loan
With roughly 127 residents, Welton is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Welton can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Welton loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
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Nearby places
- Delmar, IA — population 542
- DeWitt, IA — population 5,587
- Grand Mound, IA — population 610
- Charlotte, IA — population 389
- Maquoketa, IA — population 6,051
- Calamus, IA — population 350
- Long Grove, IA — population 844
- McCausland, IA — population 311