Personal loans in Humboldt, IA

About 4,723 people live in Humboldt, placing it 91st of 940 Census places in Iowa. When Iowa caps or restricts a product, lenders either change the terms or withdraw it from Humboldt as from the rest of the state. A 2020-to-2023 comparison shows Humboldt down by about 1.4%. The nearest larger metro is Fort Dodge, IA about 15 miles away.

Borrowing in Humboldt: the local picture

The figures below are Humboldt's own — Census population, land area and coordinates — followed by the Iowa rules.

• Population: a Census-estimated 4,723, 91st among Iowa's 940 places (Vintage 2023).
• Population trend: A loss of roughly 1.4% between 2020 and 2023.
• People gained or lost: about 65 fewer since the 2020 base.
• Size percentile: Humboldt sits ahead of around 90% of Iowa places, at 4,723 people.
• Density: the Census land area of 4.7 sq mi holds about 1,015 people per square mile.
• Land area rank: Humboldt's 4.7 square miles rank 92nd of 940 places in Iowa.
• Water area rank: Humboldt ranks 43rd among Iowa's 940 places, with 0.15 sq mi.
• Within Iowa: about 0.2% of the state's population lives in Humboldt.
• National standing: Humboldt ranks 4,989th of 19,457 US places.
• Growth in Iowa: Humboldt stands 499th by percentage change from 2020 to 2023, among 940 places.
• Against the state trend: Humboldt's 1.4% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: Humboldt places 264th among Iowa's places by people per square mile.
• Density in context: Humboldt's 1,015 people per square mile sit against a Iowa median of 672.
• Location: 42.7229, -94.2250 (US Census Bureau Gazetteer).
• Nearest larger cities: Fort Dodge (15 mi); Algona (24 mi); Webster City (27 mi); Storm Lake (50 mi); Boone (50 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller towns: Dakota City (1 mi); Rutland (4 mi); Badger (9 mi).
• Within a 50-mile radius: 126 smaller Census places.
• Within 100 miles: 49 places are larger than Humboldt.

How Humboldt compares across Iowa

Humboldt is the 91st-largest of 940 Census places in Iowa and contains about 0.2% of the state's people. On the 2020-to-2023 trend, Humboldt stands 499th among Iowa's 940 places — roughly the 47th percentile. At about 1,015 people per square mile, Humboldt is the 264th most densely settled place in Iowa. Between 2020 and 2023 the count changed by roughly 65 residents.

Where Humboldt sits

Inside Humboldt's boundaries lie roughly 4.7 square miles of land and 0.15 square miles of water. The resulting density is about 1,015 people per square mile. The largest place in Iowa, Des Moines, lies about 85 miles away. Within 50 miles of Humboldt there are 5 larger Census places. By land area it ranks 92nd of 940 Iowa places.

How personal loans work in Humboldt

With roughly 4,723 residents, Humboldt is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Humboldt can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Humboldt loan but raises total interest, so the smallest payment is not the cheapest loan.

What Iowa law requires in Humboldt

The rows below set out what a licensed lender must follow in Iowa, and so for Humboldt's roughly 4,723 residents.

Lender access in Humboldt

Humboldt is moderately settled, with about 1,015 people per square mile and 5 larger places within 50 miles. What is available to Humboldt's 4,723 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Fort Dodge, IA about 15 miles away.