Personal loans in Fort Dodge, IA
To lend to Fort Dodge's 24,591 residents, a company must hold a Iowa licence, and each sourced row below names the regulator behind it.
Fort Dodge is a smaller city of about 24,591 residents, and a personal loan taken out here is governed by Iowa statute. The Census estimates 24,591 residents in Fort Dodge, which ranks it 21st of 940 places in Iowa. The trend for Fort Dodge between 2020 and 2023 is downward by roughly 1.1%. Use the calculator on this page to price an amount and term before you commit in Fort Dodge. The nearest larger metro is Ames, IA about 44 miles away.
Borrowing in Fort Dodge: the local picture
The figures below are Fort Dodge's own — Census population, land area and coordinates — followed by the Iowa rules.
- Population: 24,591 residents; Fort Dodge is the 21st-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
- Population trend: A decline of about 1.1% across the 2020-to-2023 comparison.
- Net change: roughly 279 fewer people than the 2020 Census counted.
- Size percentile: roughly 98% of Iowa places rank below Fort Dodge.
- Land and density: 16.0 square miles of land carry roughly 1,536 residents per square mile.
- By land area: Fort Dodge ranks 23rd among Iowa's 940 places, at 16.0 sq mi.
- Water area: Fort Dodge has 0.27 square miles of water, ranking 31st of 940 places in Iowa.
- Share of state population: Fort Dodge's 24,591 residents are about 1.0% of Iowa.
- Nationally: Fort Dodge is the 1,594th-largest of 19,457 Census places in the dataset.
- Growth in Iowa: Fort Dodge stands 448th by percentage change from 2020 to 2023, among 940 places.
- Against the state trend: Fort Dodge's 1.1% change compares with a Iowa average of -0.7% across its 940 places.
- Density rank: Fort Dodge places 66th among Iowa's places by people per square mile.
- Against the state median: Fort Dodge runs about 1,536 residents per square mile, where the Iowa median is 672.
- Location: 42.5099, -94.1757 (US Census Bureau Gazetteer).
- Nearest larger cities: Ames (44 mi); Johnston (61 mi); Ankeny (61 mi); Urbandale (64 mi); Waukee (65 mi). Online lenders reach Fort Dodge no matter how far the nearest branch is.
- Smaller towns nearby: Otho (6 mi); Badger (7 mi); Moorland (8 mi).
- Smaller neighbours: 134 places smaller than Fort Dodge sit within 50 miles.
- Within 100 miles: 11 places are larger than Fort Dodge.
What a Fort Dodge borrower is actually offered
With roughly 24,591 residents, Fort Dodge is a smaller city; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Fort Dodge. Because the payment is fixed, the total cost of a Fort Dodge loan is knowable in advance — unlike a revolving card balance.
The state rulebook for Fort Dodge
For the roughly 24,591 residents of Fort Dodge, the rules below are Iowa's own; each row carries its publisher and retrieval 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 |
| Delayed deposit fee cap | Fee cap: $15 on first $100 of check face amount; $10 on subsequent $100 increments Source says: "fifteen dollars on the first one hundred dollars ... or more than ten dollars on subsequent one hundred dollar increments". | Iowa Legislature (Iowa Code) 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 |
How Fort Dodge compares across Iowa
Among Iowa's 940 places, Fort Dodge sits at 21st for population, a share of roughly 1.0% of the state. For population change between 2020 and 2023, Fort Dodge ranks 448th of 940 in Iowa (about the 52th percentile). Its roughly 1,536 residents per square mile place it 66th among Iowa's places. The population moved by about 279 people between 2020 and 2023, a 1.1% shift.
Fort Dodge: area, density and distance
Fort Dodge's land area is about 16.0 square miles; a further 0.27 square miles is water. That land carries about 1,536 people per square mile. The state's population centre of gravity, Des Moines, is roughly 71 miles away. A 50-mile radius around Fort Dodge takes in 1 places that are larger. By land area it ranks 23rd of 940 Iowa places.
Lender access in Fort Dodge
With about 1,536 residents per square mile, Fort Dodge is moderately settled, and 1 larger Census places sit within 50 miles. Distance to a branch rarely matters for Fort Dodge's 24,591 residents: the application is online and the price follows your credit file. The nearest larger city, Ames, IA about 44 miles away.
Common questions
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Nearby places
- Otho, IA — population 411
- Badger, IA — population 532
- Moorland, IA — population 167
- Vincent, IA — population 124
- Duncombe, IA — population 370
- Clare, IA — population 136
- Barnum, IA — population 178
- Callender, IA — population 359