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.
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.
- Population: 364 residents; Middletown is the 517th-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is under a tenth of a percent.
- Size percentile: Middletown sits ahead of around 45% of Iowa places, at 364 people.
- Population density: about 663 people per square mile (Census land area 0.5 sq mi).
- By land area: Middletown ranks 626th among Iowa's 940 places, at 0.5 sq mi.
- Share of Iowa: Middletown holds about 0.0% of the state's population, some 364 people.
- Nationally: Middletown is the 14,470th-largest of 19,457 Census places in the dataset.
- Growth rank: Middletown's 2020-to-2023 change ranks 241st of 940 places in Iowa.
- Versus Iowa: the state average change is -0.7%, while Middletown moved 0.0%.
- Density rank: Middletown is the 477th most densely settled place in Iowa.
- Density in context: Middletown's 663 people per square mile sit against a Iowa median of 672.
- Location: 40.8279 / -91.2622, per the US Census Bureau Gazetteer.
- Nearest larger cities: Danville (4 mi); West Burlington (5 mi); Burlington (7 mi); New London (10 mi); West Point (13 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities close by: Gulfport (9 mi); St. Paul (14 mi); Pontoosuc (14 mi), each with its own Census population profile.
- Within a 50-mile radius: 54 smaller Census places.
- Within 100 miles: 317 places are larger than Middletown.
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.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Iowa 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 cap | Fee 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:
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Model the payment on the calculator before a lender models it for you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Confirm the lender holds a Iowa licence by checking the regulator named above.
- Keep the amount to the expense; an approval is not a reason to take more.
- Be clear on what the loan is for and how it gets repaid.
- 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.
Common questions
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What loan size can I expect in Middletown?
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Does comparing loans in Middletown cost me credit score points?
Nearby places
- Danville, IA — population 908
- West Burlington, IA — population 3,161
- Burlington, IA — population 23,565
- New London, IA — population 1,870
- Gulfport, IL — population 37
- Mediapolis, IA — population 1,664
- Pontoosuc, IL — population 100
- Dallas City, IL — population 788