Personal loans in Middletown, IA

With an estimated 364 residents, Middletown is the 517th-largest of 940 places in Iowa. Two households in Middletown with comparable incomes can still be offered different rates; the city's 364 residents are not the reason.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Middletown loan. Lenders active in Middletown report to a Iowa supervisor, identified in the sourced rows below. Census data show virtually no population shift in Middletown between 2020 and 2023. For a bigger market, look to Danville, IA about 4 miles away.

Middletown: the sourced local profile

Read the local figures below as context; read the sourced Iowa table as the rulebook a lender here must follow.

The state rulebook for Middletown

Every row below records a Iowa rule, its publisher and its retrieval date — the same rules a Middletown lender must follow.

RuleDetailSource
State lending regulatorIowa 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
Delayed deposit fee capFee 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
Maximum legal interest rate (usury cap)2 percentage points above the monthly average 10-year U.S. Treasury constant maturity rate (written agreements)
Source says: "The maximum lawful rate of interest ... in any written agreement ... shall be two percentage points above the monthly average ten-year constant maturity interest rate".
Iowa Legislature (Iowa Code)
as of 2026-09-16

What is available to Middletown borrowers

Middletown is a moderately settled community of about 364 people, with 67 larger places inside a 50-mile radius. What is available to Middletown's 364 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Danville, IA about 4 miles away.

Middletown on the map

The Census Gazetteer records about 0.5 square miles of land within Middletown, with no significant water area listed. The resulting density is about 663 people per square mile. The largest place in Iowa, Des Moines, lies about 132 miles away. Middletown has 67 larger places within a 50-mile radius. The 100-mile radius contains 317 larger places.

Middletown's place among Iowa's 940 places

Against Iowa's other places, Middletown accounts for about 0.0% of the state's population and ranks 517th of 940 by size. For population change between 2020 and 2023, Middletown ranks 241st of 940 in Iowa (about the 74th percentile). Its roughly 663 residents per square mile place it 477th among Iowa's places. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.

Steps to take before a Middletown loan

For Middletown's roughly 364 residents, these are the steps that most influence the offer:

  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. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
  4. Confirm the lender holds a Iowa licence by checking the regulator named above.
  5. Keep the amount to the expense; an approval is not a reason to take more.
  6. Be clear on what the loan is for and how it gets repaid.
  7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

In Middletown as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 364 residents.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Middletown if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Middletown is the same as anywhere in Iowa.
What loan size can I expect in Middletown?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Middletown?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Middletown cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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