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.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

What the Census records for Welton

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

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.

RuleDetailSource
State lending regulatorIowa 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 statusPermitted 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.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Welton if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Welton is the same as anywhere in Iowa.
What loan size can I expect in Welton?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Welton?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Welton cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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