Personal loans in Harvey, IA

For a borrower among the roughly 239 residents of Harvey, a personal loan is a tool whose cost turns on the terms, not the address. Harvey gained roughly 1.3% in population across the 2020-to-2023 comparison. Begin with the payment, then weigh APR and total interest across the lenders that reach Harvey's 239 residents. The next larger city is Pella, IA about 6 miles away.

What the Census records for Harvey

What follows is Harvey's place in the Census record, alongside the Iowa rules that govern a personal loan made here.

• Population: the Census counts 239 residents in Harvey (Vintage 2023 subcounty estimate), the 623rd-largest figure among Iowa's 940 places.
• Population trend: Roughly 1.3% more residents than the 2020 Census counted.
• Absolute change: 3 residents added between 2020 and 2023.
• Size percentile: roughly 34% of Iowa places rank below Harvey.
• Population density: about 353 people per square mile across 0.7 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Harvey ranks 539th among Iowa's 940 places, at 0.7 sq mi.
• Within Iowa: about 0.0% of the state's population lives in Harvey.
• National standing: Harvey ranks 15,906th of 19,457 US places.
• Growth rank: Harvey's 2020-to-2023 change ranks 126th of 940 places in Iowa.
• Versus Iowa: the state average change is -0.7%, while Harvey moved 1.3%.
• Density rank: Harvey is the 694th most densely settled place in Iowa.
• Density in context: Harvey's 353 people per square mile sit against a Iowa median of 672.
• Location: it lies at 41.3179, -92.9227 in the Census Gazetteer.
• Nearest larger cities: Pella (6 mi); Bussey (8 mi); Knoxville (9 mi); Lovilia (13 mi); Beacon (13 mi). A branch is convenient; it is not what sets your APR.
• Smaller communities within reach: Leighton (7 mi); Marysville (10 mi); Hamilton (10 mi).
• Within a 50-mile radius: 57 smaller Census places.
• Larger places within 100 miles: 319.

How a Harvey personal loan is priced

Most loans made to Harvey's 239 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Harvey can be quoted different APRs on the same amount and term. Shortening the term on a Harvey loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Harvey against the rest of Iowa

Set beside Iowa's 940 places, Harvey ranks 623rd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Harvey stands 126th among Iowa's 940 places — roughly the 87th percentile. Its roughly 353 residents per square mile place it 694th among Iowa's places. The population moved by about 3 people between 2020 and 2023, a 1.3% shift.

Harvey on the map

Harvey's land area is roughly 0.7 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 353 people per square mile. The largest place in Iowa, Des Moines, lies about 40 miles away. A 50-mile radius around Harvey takes in 87 places that are larger. Within the same 50 miles lie 57 smaller Census places.

The Iowa lending rules that reach Harvey

This table holds the Iowa rate and licensing rules for consumer loans made to Harvey's 239 residents.

A practical checklist for Harvey borrowers

For Harvey's roughly 239 residents, these are the steps that most influence the offer:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Model the payment on the calculator before a lender models it for you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Look the lender up in the Iowa regulator's licence records before you sign.
5. Make sure the new payment leaves room in a budget you already keep.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

What differs between Harvey and the rest of Iowa is not the process but the borrower's own file, among the 239 people here.