Personal loans in Ainsworth, IA
The first question in Ainsworth is not the rate on offer but whether the payment fits; about 513 people live here under Iowa lending law.
Decide the purpose of the loan and your repayment plan before sharing any details with a Ainsworth lender. With 513 residents, Ainsworth outranks about 54% of the communities in Iowa. Every figure below is Iowa's own, applied to Ainsworth's 513 residents, with the publisher and retrieval date attached. A 2020-to-2023 comparison shows Ainsworth up by about 0.8%. The nearest larger city is Washington, IA about 7 miles away.
The Ainsworth data picture
Ainsworth is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: a Census-estimated 513, 431st among Iowa's 940 places (Vintage 2023).
- Population trend: A rise of about 0.8% from 2020 to 2023.
- Absolute change: 4 residents added between 2020 and 2023.
- Size percentile: about 54% of Iowa communities are smaller than Ainsworth (513 residents).
- Density: the Census land area of 0.4 sq mi holds about 1,390 people per square mile.
- Land area rank: Ainsworth's 0.4 square miles rank 747th of 940 places in Iowa.
- Within Iowa: about 0.0% of the state's population lives in Ainsworth.
- National rank: Ainsworth is 13,059th of 19,457 places nationwide.
- Growth rank: Ainsworth ranks 167th among Iowa's 940 places for the 2020-to-2023 change.
- State comparison: Iowa's places average -0.7% for 2020-to-2023, against Ainsworth's 0.8%.
- Density rank: Ainsworth is the 103rd most densely settled place in Iowa.
- Density in context: Ainsworth's 1,390 people per square mile sit against a Iowa median of 672.
- Location: latitude 41.2901, longitude -91.5543 (Census Gazetteer).
- Nearest larger cities: Washington (7 mi); Columbus Junction (10 mi); Wayland (11 mi); Winfield (13 mi); Riverside (13 mi). Online lenders reach Ainsworth no matter how far the nearest branch is.
- Smaller communities close by: Cotter (5 mi); Crawfordsville (5 mi); Columbus City (10 mi), each with its own Census population profile.
- Smaller neighbours: 63 places smaller than Ainsworth sit within 50 miles.
- Larger places within 100 miles: 277.
What is available to Ainsworth borrowers
With about 1,390 residents per square mile, Ainsworth is moderately settled, and 72 larger Census places sit within 50 miles. A Iowa licence lets a lender serve Ainsworth without a local office, so branch density does not change what its 513 residents are offered. The nearest larger city, Washington, IA about 7 miles away.
Iowa rules behind a Ainsworth personal loan
Read the table as a lender's compliance picture for Ainsworth: the rule, the sourced figure, the publisher and the date.
| 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 |
How personal loans work in Ainsworth
In Ainsworth, a small community of about 513, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Ainsworth's 513 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Ainsworth loan but raises total interest, so the smallest payment is not the cheapest loan.
The geography behind Ainsworth
The Census Gazetteer records about 0.4 square miles of land within Ainsworth, with no significant water area listed. Spread across it are roughly 1,390 residents per square mile. The state's population centre of gravity, Des Moines, is roughly 108 miles away. Counting outward 50 miles, 72 larger communities surround Ainsworth. The 100-mile radius contains 277 larger places.
Where Ainsworth sits in Iowa
Against Iowa's other places, Ainsworth accounts for about 0.0% of the state's population and ranks 431st of 940 by size. On the 2020-to-2023 trend, Ainsworth stands 167th among Iowa's 940 places — roughly the 82th percentile. At about 1,390 people per square mile, Ainsworth is the 103rd most densely settled place in Iowa. By land area, its 0.4 square miles rank 747th of 940 places in Iowa.
Common questions
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Nearby places
- Crawfordsville, IA — population 278
- Cotter, IA — population 37
- Washington, IA — population 7,252
- Olds, IA — population 187
- Wayland, IA — population 947
- Columbus City, IA — population 378
- Columbus Junction, IA — population 1,771
- Riverside, IA — population 1,046