Personal loans in Brayton, IA

Personal loans in Brayton are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 137 population. By population, Brayton sits at 758th in Iowa, with an estimated 137 residents. Population in Brayton dropped about 4.2% over the three years from 2020 to 2023. Use the calculator on this page to price an amount and term before you commit in Brayton. The nearest larger city is Exira, IA about 4 miles away.

Brayton: population, trend and location

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

• Population: an estimated 137 residents, 758th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: A decline of about 4.2% across the 2020-to-2023 comparison.
• People gained or lost: about 6 fewer since the 2020 base.
• Size percentile: bigger than about 19% of the places in Iowa, with 137 residents in Brayton.
• Land and density: 0.4 square miles of land carry roughly 315 residents per square mile.
• Land area: Brayton covers 0.4 square miles, the 702nd-largest area among Iowa's 940 places.
• Share of state population: Brayton's 137 residents are about 0.0% of Iowa.
• Nationally: Brayton is the 17,476th-largest of 19,457 Census places in the dataset.
• Growth rank: Brayton ranks 916th among Iowa's 940 places for the 2020-to-2023 change.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Brayton's 4.2%.
• Density rank: Brayton places 728th among Iowa's places by people per square mile.
• Density in context: Brayton's 315 people per square mile sit against a Iowa median of 672.
• Location: it lies at 41.5447, -94.9303 in the Census Gazetteer.
• Nearest larger cities: Exira (4 mi); Elk Horn (8 mi); Kimballton (9 mi); Anita (11 mi); Atlantic (12 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities close by: Wiota (10 mi); Marne (11 mi); Gray (21 mi), each with its own Census population profile.
• Within a 50-mile radius: 19 smaller Census places.
• Within 100 miles: 407 places are larger than Brayton.

Brayton: area, density and distance

Brayton covers about 0.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 315 residents per square mile. The state's population centre of gravity, Des Moines, is roughly 68 miles away. Brayton has 94 larger places within a 50-mile radius. By land area it ranks 702nd of 940 Iowa places.

Before you apply in Brayton

Complete these steps first when you borrow in Brayton (137 residents):

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Test your amount and term in the personal loan calculator first.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the lender holds a Iowa licence by checking the regulator named above.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

The process is identical across Iowa; what changes is your credit file, not the fact that Brayton holds 137 people.

The anatomy of a Brayton personal loan

In Brayton, a small community of about 137, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Brayton. A longer term lowers the monthly payment on a Brayton loan but raises total interest, so the smallest payment is not the cheapest loan.

Brayton against the rest of Iowa

Brayton is the 758th-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. For population change between 2020 and 2023, Brayton ranks 916th of 940 in Iowa (about the 3th percentile). Its roughly 315 residents per square mile place it 728th among Iowa's places. Within 50 miles sit 19 smaller Census places, alongside the 94 that are larger.

Iowa consumer-lending rules applied in Brayton

Read the table as a lender's compliance picture for Brayton: the rule, the sourced figure, the publisher and the date.