Personal loans in Kelley, IA

The first question in Kelley is not the rate on offer but whether the payment fits; about 308 people live here under Iowa lending law. Roughly 308 residents live in Kelley, the 557th-largest community in Iowa. Census figures put the 2020-to-2023 increase in Kelley at about 1.0%. For a community of about 308, the practical step is to compare APR across at least three lenders before committing. The closest larger city is Slater, IA about 5 miles away.

Local context for Kelley

Set out below is Kelley's local context next to the state-level rules that reach every lender here.

• Population: 308 residents; Kelley is the 557th-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is positive, near 1.0%.
• People gained or lost: about 3 more since the 2020 base.
• Size percentile: bigger than about 41% of the places in Iowa, with 308 residents in Kelley.
• Population density: about 416 people per square mile (Census land area 0.7 sq mi).
• Land area rank: Kelley's 0.7 square miles rank 519th of 940 places in Iowa.
• State population share: Kelley accounts for about 0.0% of everyone in Iowa.
• National rank: Kelley is 15,033rd of 19,457 places nationwide.
• Growth rank: Kelley ranks 154th among Iowa's 940 places for the 2020-to-2023 change.
• Against the state trend: Kelley's 1.0% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: Kelley places 654th among Iowa's places by people per square mile.
• Density vs Iowa: Kelley's 416 people per square mile compare with a state median of 672.
• Location: 41.9509, -93.6650 (Census Gazetteer coordinates).
• Nearest larger cities: Slater (5 mi); Huxley (5 mi); Ames (6 mi); Sheldahl (6 mi); Cambridge (7 mi). A branch is convenient; it is not what sets your APR.
• Smaller places close by: Luther (8 mi); Bouton (19 mi); Fraser (20 mi).
• Within a 50-mile radius: 52 smaller Census places.
• At 100 miles: 300 larger Census places fall inside that radius.

Where Kelley sits in Iowa

Against Iowa's other places, Kelley accounts for about 0.0% of the state's population and ranks 557th of 940 by size. On the 2020-to-2023 trend, Kelley stands 154th among Iowa's 940 places — roughly the 84th percentile. By density, at about 416 people per square mile, it ranks 654th in Iowa. In land area, Kelley ranks 519th among Iowa's 940 places.

How lenders reach Kelley

Kelley is lightly settled, with about 416 people per square mile and 99 larger places within 50 miles. What is available to Kelley's 308 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Slater, IA about 5 miles away.

Where Kelley sits

Inside Kelley's boundaries lie about 0.7 square miles of land, with no significant water area recorded. That land carries about 416 people per square mile. The largest place in Iowa, Des Moines, lies about 26 miles away. Counting outward 50 miles, 99 larger communities surround Kelley. The 100-mile radius contains 300 larger places.

Steps to take before a Kelley loan

Before you hand your details to a lender in Kelley, where the population is near 308:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Model the payment on the calculator before a lender models it for you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Look the lender up in the Iowa regulator's licence records before you sign.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Test the payment against your current bills before you commit.

None of these steps is Kelley-specific: the same Iowa licensing and disclosure rules reach all 308 residents.

Iowa rules behind a Kelley personal loan

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