Personal loans in Hampton, IA

With roughly 4,272 residents, Hampton is a small community, and the lending rules its borrowers live under are written in Iowa, not by the city. Roughly 4,272 residents live in Hampton, the 100th-largest community in Iowa. Population in Hampton dropped about 1.5% over the three years from 2020 to 2023. If debt is already a strain, a nonprofit credit counsellor can help Hampton residents before they take on more. The nearest larger metro is Iowa Falls, IA about 16 miles away.

Hampton by the numbers

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

• Population: 4,272 residents; Hampton is the 100th-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: Lower by roughly 1.5% since the 2020 count.
• Absolute change: 66 residents lost between 2020 and 2023.
• Size percentile: about 89% of Iowa communities are smaller than Hampton (4,272 residents).
• Land and density: 4.4 square miles of land carry roughly 965 residents per square mile.
• Land area: Hampton covers 4.4 square miles, the 100th-largest area among Iowa's 940 places.
• Share of state population: Hampton's 4,272 residents are about 0.2% of Iowa.
• National rank: Hampton is the 5,279th most populous of the 19,457 Census places covered here.
• Growth rank: Hampton's 2020-to-2023 change ranks 542nd of 940 places in Iowa.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Hampton's 1.5%.
• Density rank: Hampton places 284th among Iowa's places by people per square mile.
• Density vs Iowa: Hampton's 965 people per square mile compare with a state median of 672.
• Location: 42.7420, -93.2050 (Census Gazetteer coordinates).
• Nearest larger cities: Iowa Falls (16 mi); Mason City (28 mi); Clear Lake (28 mi); Charles City (35 mi); Webster City (37 mi). A branch is convenient; it is not what sets your APR.
• Smaller places close by: Hansell (5 mi); Geneva (6 mi); Latimer (8 mi).
• Smaller neighbours: 119 places smaller than Hampton sit within 50 miles.
• At 100 miles: 58 larger Census places fall inside that radius.

What is available to Hampton borrowers

With about 965 residents per square mile, Hampton is moderately settled, and 8 larger Census places sit within 50 miles. Lenders licensed in Iowa reach Hampton's 4,272 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Iowa Falls, IA about 16 miles away.

What Iowa law requires in Hampton

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

Inside a Hampton personal loan

In Hampton, a small community of about 4,272, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Hampton can be quoted different APRs on the same amount and term. The term you choose in Hampton decides the split between a comfortable payment and the total interest you pay.

The Hampton borrowing checklist

Complete these steps first when you borrow in Hampton (4,272 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. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the Iowa licence with the regulator named above before committing.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Make sure the new payment leaves room in a budget you already keep.
7. Pick the shortest term whose payment you can comfortably afford.

None of these steps is Hampton-specific: the same Iowa licensing and disclosure rules reach all 4,272 residents.

Where Hampton sits

Hampton covers about 4.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 965 people per square mile. Des Moines, the largest place in Iowa, is about 83 miles from Hampton. Within 50 miles of Hampton there are 8 larger Census places. The 100-mile radius contains 58 larger places.