Personal loans in Winterset, IA

An estimated 5,374 people make their home in Winterset, a figure that ranks 77th in Iowa. Judge Winterset offers on total cost, not on how quickly the money arrives. For the 5,374 people in Winterset, Iowa runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The nearest larger city is Adel, IA about 18 miles away.

Winterset: the sourced local profile

Only a few things actually differ by place — population, area, location, and the Iowa rules a lender must follow — and they are below.

• Population: a Census-estimated 5,374, 77th among Iowa's 940 places (Vintage 2023).
• Population trend: A gain of roughly 0.4% between 2020 and 2023.
• Net change: roughly 19 more people than the 2020 Census counted.
• Size percentile: roughly 92% of Iowa's places have fewer residents than Winterset's 5,374.
• Density: roughly 1,141 residents per square mile, spread over 4.7 sq mi of land.
• By land area: Winterset ranks 90th among Iowa's 940 places, at 4.7 sq mi.
• Water area rank: Winterset ranks 45th among Iowa's 940 places, with 0.14 sq mi.
• State population share: Winterset accounts for about 0.2% of everyone in Iowa.
• National rank: Winterset sits 4,622nd by population among the 19,457 places in this dataset.
• Growth in Iowa: Winterset stands 205th by percentage change from 2020 to 2023, among 940 places.
• Versus Iowa: the state average change is -0.7%, while Winterset moved 0.4%.
• Density rank: Winterset places 192nd among Iowa's places by people per square mile.
• Density in context: Winterset's 1,141 people per square mile sit against a Iowa median of 672.
• Location: latitude 41.3499, longitude -94.0181 (Census Gazetteer).
• Nearest larger cities: Adel (18 mi); Waukee (18 mi); West Des Moines (18 mi); Norwalk (19 mi); Clive (21 mi). Online lenders reach Winterset no matter how far the nearest branch is.
• Smaller communities within reach: Patterson (7 mi); East Peru (10 mi); Earlham (11 mi).
• Within a 50-mile radius: 111 smaller Census places.
• At 100 miles: 37 larger Census places fall inside that radius.

Lender access in Winterset

Winterset is moderately settled, with about 1,141 people per square mile and 20 larger places within 50 miles. Lenders licensed in Iowa reach Winterset's 5,374 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Adel, IA about 18 miles away.

Where Winterset sits

Winterset's land area is about 4.7 square miles; a further 0.14 square miles is water. With 5,374 residents, the land area yields roughly 1,141 people per square mile. The largest place in Iowa, Des Moines, lies about 26 miles away. Within 50 miles of Winterset there are 20 larger Census places. The 100-mile radius contains 37 larger places.

Which Iowa laws govern a loan in Winterset

When Iowa does not publish a figure, the row links to the source instead of inventing a number; Winterset is bound by the same rules.

A pre-application checklist for Winterset

Before you hand your details to a lender in Winterset, where the population is near 5,374:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Make sure the lender appears in the Iowa regulator's licence list.
5. Be clear on what the loan is for and how it gets repaid.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

The process is identical across Iowa; what changes is your credit file, not the fact that Winterset holds 5,374 people.

Winterset in state context

Set beside Iowa's 940 places, Winterset ranks 77th by population and holds about 0.2% of the state total. For population change between 2020 and 2023, Winterset ranks 205th of 940 in Iowa (about the 78th percentile). By density, at about 1,141 people per square mile, it ranks 192nd in Iowa. By land area, its 4.7 square miles rank 90th of 940 places in Iowa.