Personal loans in Moulton, IA

Borrowing in Moulton: the local picture

Two layers matter for a Moulton borrower: the local population picture and Iowa's consumer-lending statutes.

• Population: about 599, ranked 408th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is negative, near 1.6%.
• Net change: roughly 10 fewer people than the 2020 Census counted.
• Size percentile: about 57% of Iowa's Census places are smaller than Moulton.
• Population density: about 601 people per square mile across 1.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Moulton ranks 409th among Iowa's 940 places, at 1.0 sq mi.
• State population share: Moulton accounts for about 0.0% of everyone in Iowa.
• National rank: Moulton sits 12,441st by population among the 19,457 places in this dataset.
• Growth rank: Moulton ranks 566th among Iowa's 940 places for the 2020-to-2023 change.
• Against the state trend: Moulton's 1.6% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: Moulton places 523rd among Iowa's places by people per square mile.
• Against the state median: Moulton runs about 601 residents per square mile, where the Iowa median is 672.
• Location: 40.6855, -92.6763 (Census Gazetteer coordinates).
• Nearest larger cities: Centerville (11 mi); Lancaster (13 mi); Bloomfield (14 mi); Moravia (16 mi); Unionville (23 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller places close by: Udell (7 mi); Exline (9 mi); Unionville (9 mi).
• Smaller places within 50 miles: 81 of them.
• Larger places within 100 miles: 175.

The state rulebook for Moulton

The rows below set out what a licensed lender must follow in Iowa, and so for Moulton's roughly 599 residents.

The anatomy of a Moulton personal loan

Moulton is a small community of about 599 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Moulton loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Moulton decides the split between a comfortable payment and the total interest you pay.

Land, water and location for Moulton

The Census Gazetteer records about 1.0 square miles of land within Moulton, with no significant water area listed. With 599 residents, the land area yields roughly 601 people per square mile. The largest place in Iowa, Des Moines, lies about 78 miles away. A 50-mile radius around Moulton takes in 25 places that are larger. Within the same 50 miles lie 81 smaller Census places.

A pre-application checklist for Moulton

These steps shape the offer you get in Moulton, a place of about 599 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Check the Iowa regulator's records to confirm the lender is licensed here.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
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 Moulton-specific: the same Iowa licensing and disclosure rules reach all 599 residents.

Moulton in state context

Set beside Iowa's 940 places, Moulton ranks 408th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Moulton ranks 566th of 940 in Iowa (about the 40th percentile). By density, at about 601 people per square mile, it ranks 523rd in Iowa. Within 50 miles sit 81 smaller Census places, alongside the 25 that are larger.