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.
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.
- Population: 24,239 residents; Clinton is the 22nd-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
- Population trend: A drop of about 0.9% from 2020 to 2023.
- Net change: roughly 228 fewer people than the 2020 Census counted.
- Size percentile: about 98% of Iowa communities are smaller than Clinton (24,239 residents).
- Density: roughly 681 residents per square mile, spread over 35.6 sq mi of land.
- Land area: Clinton covers 35.6 square miles, the 8th-largest area among Iowa's 940 places.
- Water area rank: Clinton ranks 2nd among Iowa's 940 places, with 2.86 sq mi.
- Share of state population: Clinton's 24,239 residents are about 0.9% of Iowa.
- Nationally: Clinton is the 1,616th-largest of 19,457 Census places in the dataset.
- Growth rank: Clinton's 2020-to-2023 change ranks 412th of 940 places in Iowa.
- State comparison: Iowa's places average -0.7% for 2020-to-2023, against Clinton's 0.9%.
- Density in Iowa: Clinton ranks 467th by people per square mile.
- Density in context: Clinton's 681 people per square mile sit against a Iowa median of 672.
- Location: the Census Gazetteer records it at 41.8424, -90.2428.
- Nearest larger cities: Bettendorf (23 mi); Davenport (27 mi); Moline (28 mi); Rock Island (31 mi); Dubuque (51 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places close by: Camanche (4 mi); Albany (4 mi); Fulton (5 mi).
- Within a 50-mile radius: 138 smaller Census places.
- Larger places within 100 miles: 26.
What to do before borrowing in Clinton
Before you hand your details to a lender in Clinton, where the population is near 24,239:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Check the Iowa regulator's records to confirm the lender is licensed here.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Be clear on what the loan is for and how it gets repaid.
- 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.
| 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 |
Common questions
What are my options in Clinton if my credit is poor?
What loan size can I expect in Clinton?
Do I have to pledge anything to borrow in Clinton?
Does comparing loans in Clinton cost me credit score points?
Nearby places
- Camanche, IA — population 4,552
- Albany, IL — population 846
- Fulton, IL — population 3,567
- Low Moor, IA — population 241
- Andover, IA — population 107
- Cordova, IL — population 656
- Thomson, IL — population 1,601
- Goose Lake, IA — population 251