Personal loans in Grafton, IA

A personal loan in Grafton is priced from your credit file and income, not from the fact that the city holds 212 people. Grafton lost roughly 2.3% of its population across the 2020-to-2023 comparison. Work out your debt-to-income ratio first; lenders weigh it heavily, and Grafton's 212 residents are no exception. The nearest larger city is Plymouth, IA about 6 miles away.

Grafton by the numbers

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

• Population: about 212, ranked 651st of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is negative, near 2.3%.
• People gained or lost: about 5 fewer since the 2020 base.
• Size percentile: about 31% of Iowa communities are smaller than Grafton (212 residents).
• Land and density: 0.3 square miles of land carry roughly 660 residents per square mile.
• Land area: Grafton covers 0.3 square miles, the 775th-largest area among Iowa's 940 places.
• Share of state population: Grafton's 212 residents are about 0.0% of Iowa.
• National rank: Grafton is the 16,297th most populous of the 19,457 Census places covered here.
• Growth rank: Grafton ranks 701st among Iowa's 940 places for the 2020-to-2023 change.
• Versus Iowa: the state average change is -0.7%, while Grafton moved 2.3%.
• Density rank: Grafton places 480th among Iowa's places by people per square mile.
• Against the state median: Grafton runs about 660 residents per square mile, where the Iowa median is 672.
• Location: mapped by the US Census Bureau at 43.3307, -93.0687.
• Nearest larger cities: Plymouth (6 mi); Manly (7 mi); Kensett (7 mi); St. Ansgar (8 mi); Northwood (11 mi). Living near a larger metro rarely changes what is available in Grafton.
• Nearest smaller towns: Carpenter (6 mi); Rock Falls (9 mi); Mitchell (10 mi).
• Within a 50-mile radius: 34 smaller Census places.
• Larger places within 100 miles: 362.

Grafton in state context

Among Iowa's 940 places, Grafton sits at 651st for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Grafton stands 701st among Iowa's 940 places — roughly the 25th percentile. By density, at about 660 people per square mile, it ranks 480th in Iowa. By land area, its 0.3 square miles rank 775th of 940 places in Iowa.

The state rulebook for Grafton

Below are the Iowa rules that apply to a loan made in Grafton, each with the regulator that issued it.

The anatomy of a Grafton personal loan

Grafton is a small community of about 212 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Grafton lender to disclose the APR and finance charge before you sign. Shortening the term on a Grafton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Grafton sits

Inside Grafton's boundaries lie about 0.3 square miles of land, with no significant water area recorded. That land carries about 660 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 125 miles. Grafton has 85 larger places within a 50-mile radius. Within the same 50 miles lie 34 smaller Census places.

What is available to Grafton borrowers

Grafton is a moderately settled community of about 212 people, with 85 larger places inside a 50-mile radius. Lenders licensed in Iowa reach Grafton's 212 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Plymouth, IA about 6 miles away.