Personal loans in Maloy, IA

Census figures show Maloy holding steady across 2020 to 2023. Compare APR, not the interest rate, because the APR folds in most fees on a Maloy loan. For a bigger market, look to Benton, IA about 3 miles away. A single loan can carry different costs on either side of a state line, and Maloy sits on the Iowa side of that line.

Local context for Maloy

Most of what governs a Maloy loan is written in Iowa law rather than in the city; the sourced notes below make that split concrete.

• Population: the Census counts 26 residents in Maloy (Vintage 2023 subcounty estimate), the 931st-largest figure among Iowa's 940 places.
• Population trend: Roughly level with the 2020 Census base.
• Size percentile: roughly 1% of Iowa's places have fewer residents than Maloy's 26.
• Population density: 42 people per square mile on 0.6 square miles of land.
• Land area rank: Maloy's 0.6 square miles rank 565th of 940 places in Iowa.
• Within Iowa: about 0.0% of the state's population lives in Maloy.
• National rank: Maloy is 19,276th of 19,457 places nationwide.
• Growth in Iowa: Maloy stands 287th by percentage change from 2020 to 2023, among 940 places.
• Against the state trend: Maloy's 0.0% change compares with a Iowa average of -0.7% across its 940 places.
• Density in Iowa: Maloy ranks 932nd by people per square mile.
• Against the state median: Maloy runs about 42 residents per square mile, where the Iowa median is 672.
• Location: latitude 40.6706, longitude -94.4096 (Census Gazetteer).
• Nearest larger cities: Benton (3 mi); Redding (5 mi); Blockton (5 mi); Mount Ayr (10 mi); Clearfield (10 mi). Living near a larger metro rarely changes what is available in Maloy.
• Nearest smaller towns: Irena (9 mi); Conway (12 mi); Ellston (20 mi).
• Smaller places within 50 miles: 6 of them.
• At 100 miles: 478 larger Census places fall inside that radius.

How personal loans work in Maloy

Maloy is a small community of about 26 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Maloy can be quoted different APRs on the same amount and term. The term you choose in Maloy decides the split between a comfortable payment and the total interest you pay.

Where Maloy sits

Maloy's land area is roughly 0.6 square miles, and the Gazetteer records no significant water area within it. That land carries about 42 people per square mile. Des Moines, the largest place in Iowa, is about 75 miles from Maloy. Counting outward 50 miles, 105 larger communities surround Maloy. The 100-mile radius contains 478 larger places.

How lenders reach Maloy

Maloy is sparsely settled, with about 42 people per square mile and 105 larger places within 50 miles. Whether Maloy has a local branch or not, a Iowa-licensed lender can serve its 26 people online on the same terms. The nearest larger city, Benton, IA about 3 miles away.

How Maloy compares across Iowa

Maloy is the 931st-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. For population change between 2020 and 2023, Maloy ranks 287th of 940 in Iowa (about the 69th percentile). At about 42 people per square mile, Maloy is the 932nd most densely settled place in Iowa. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.

What Iowa law requires in Maloy

Iowa has no separate rate rule for Maloy; the sourced rows below are what reach every lender that serves its 26 people.