Personal loans in Clinton, IA

The roughly 24,239 people who live in Clinton borrow under Iowa rules; city hall sets no personal-loan rate. With 24,239 residents, Clinton outranks about 98% of the communities in Iowa.

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.

The closest larger city is Bettendorf, IA about 23 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 0.9%. Every figure below is Iowa's own, applied to Clinton's 24,239 residents, with the publisher and retrieval date attached. Decide the purpose of the loan and your repayment plan before sharing any details with a Clinton lender.

Clinton: the sourced local profile

Read the local figures below as context; read the sourced Iowa table as the rulebook a lender here must follow.

What to do before borrowing in Clinton

Before you hand your details to a lender in Clinton, where the population is near 24,239:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Check the Iowa regulator's records to confirm the lender is licensed here.
  5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  6. Be clear on what the loan is for and how it gets repaid.
  7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

The process is identical across Iowa; what changes is your credit file, not the fact that Clinton holds 24,239 people.

Borrowing reach in Clinton

With about 681 residents per square mile, Clinton is moderately settled, and 4 larger Census places sit within 50 miles. What is available to Clinton's 24,239 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest larger city, Bettendorf, IA about 23 miles away.

Clinton in state context

Within Iowa, Clinton holds roughly 0.9% of all residents, the 22nd-largest share among 940 places. On the 2020-to-2023 trend, Clinton stands 412th among Iowa's 940 places — roughly the 56th percentile. At about 681 people per square mile, Clinton is the 467th most densely settled place in Iowa. The population moved by about 228 people between 2020 and 2023, a 0.9% shift.

Where Clinton sits

Inside Clinton's boundaries lie roughly 35.6 square miles of land and 2.86 square miles of water. The resulting density is about 681 people per square mile. The state's population centre of gravity, Des Moines, is roughly 175 miles away. Clinton has 4 larger places within a 50-mile radius. By land area it ranks 8th of 940 Iowa places.

Iowa rules behind a Clinton personal loan

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

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

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 Clinton 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 Clinton is the same as anywhere in Iowa.
What loan size can I expect in Clinton?
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 Clinton?
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 Clinton 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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