Personal loans in Hartford, IA
To lend to Hartford's 725 residents, a company must hold a Iowa licence, and each sourced row below names the regulator behind it. The Census counts 725 people in Hartford, the 356th-largest figure among Iowa's 940 places.
With roughly 725 residents, Hartford is a small community, and the lending rules its borrowers live under are written in Iowa, not by the city. The 2020 count to the 2023 estimate shows about 1.1% decline in Hartford. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Hartford loan. The closest larger city is Carlisle, IA about 6 miles away.
Where Hartford stands
Read the local figures below as context; read the sourced Iowa table as the rulebook a lender here must follow.
- Population: an estimated 725 residents, 356th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
- Population trend: About 1.1% below the 2020 Census base.
- Net change: roughly 8 fewer people than the 2020 Census counted.
- Size percentile: with 725 residents, Hartford is larger than about 62% of Iowa's Census places.
- Density: roughly 666 residents per square mile, spread over 1.1 sq mi of land.
- Land area rank: Hartford's 1.1 square miles rank 350th of 940 places in Iowa.
- Share of state population: Hartford's 725 residents are about 0.0% of Iowa.
- National rank: Hartford is the 11,625th most populous of the 19,457 Census places covered here.
- Growth in Iowa: Hartford stands 436th by percentage change from 2020 to 2023, among 940 places.
- Against the state trend: Hartford's 1.1% change compares with a Iowa average of -0.7% across its 940 places.
- Density rank: Hartford places 474th among Iowa's places by people per square mile.
- Density in context: Hartford's 666 people per square mile sit against a Iowa median of 672.
- Location: the Census Gazetteer records it at 41.4577, -93.4038.
- Nearest larger cities: Carlisle (6 mi); Pleasantville (8 mi); Indianola (11 mi); Pleasant Hill (11 mi); Milo (12 mi). Lenders licensed in the state serve Hartford whether or not they keep a local branch.
- Nearest smaller towns: Runnells (5 mi); Swan (5 mi); Sandyville (6 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 73 smaller Census places.
- At 100 miles: 186 larger Census places fall inside that radius.
The anatomy of a Hartford personal loan
With roughly 725 residents, Hartford is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Hartford's rank of 356th in Iowa: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Hartford decides the split between a comfortable payment and the total interest you pay.
Land, water and location for Hartford
Hartford's land area is roughly 1.1 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 666 residents per square mile. The state's population centre of gravity, Des Moines, is roughly 13 miles away. A 50-mile radius around Hartford takes in 63 places that are larger. Within the same 50 miles lie 73 smaller Census places.
The Iowa lending rules that reach Hartford
When Iowa does not publish a figure, the row links to the source instead of inventing a number; Hartford is bound by the same rules.
| 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 |
| Small-loan / installment lender licensing | Regulated Loan Act license required (superintendent of banking) Source says: "shall not engage in the business of making loans ... without first obtaining a license from the superintendent of banking". | Iowa Legislature (Iowa Code) 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 |
What is available to Hartford borrowers
At roughly 666 people per square mile, Hartford is moderately settled; 63 larger places lie within 50 miles. Whether Hartford has a local branch or not, a Iowa-licensed lender can serve its 725 people online on the same terms. For a larger market, the closest option is Carlisle, IA about 6 miles away.
How Hartford compares across Iowa
Hartford is the 356th-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Hartford stands 436th among Iowa's 940 places — roughly the 54th percentile. At about 666 people per square mile, Hartford is the 474th most densely settled place in Iowa. The population moved by about 8 people between 2020 and 2023, a 1.1% shift.
Common questions
What are my options in Hartford if my credit is poor?
What loan size can I expect in Hartford?
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Does comparing loans in Hartford cost me credit score points?
Nearby places
- Runnells, IA — population 451
- Sandyville, IA — population 59
- Swan, IA — population 77
- Carlisle, IA — population 4,326
- Ackworth, IA — population 117
- Pleasantville, IA — population 1,690
- Milo, IA — population 761
- Pleasant Hill, IA — population 11,617