Personal loans in Paton, IA

Census figures put the 2020-to-2023 decrease in Paton at about 1.4%. When Iowa caps or restricts a product, lenders either change the terms or withdraw it from Paton as from the rest of the state. Use the calculator on this page to price an amount and term before you commit in Paton. The next larger city is Harcourt, IA about 8 miles away.

Paton: population, trend and location

What follows is Paton's place in the Census record, alongside the Iowa rules that govern a personal loan made here.

• Population: 218 — Paton ranks 644th of 940 communities in Iowa (US Census Bureau, Vintage 2023).
• Population trend: A decline of about 1.4% across the 2020-to-2023 comparison.
• People gained or lost: about 3 fewer since the 2020 base.
• Size percentile: bigger than about 31% of the places in Iowa, with 218 residents in Paton.
• Population density: about 388 people per square mile across 0.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Paton's 0.6 square miles rank 608th of 940 places in Iowa.
• Within Iowa: about 0.0% of the state's population lives in Paton.
• National standing: Paton ranks 16,201st of 19,457 US places.
• Growth in Iowa: Paton stands 498th by percentage change from 2020 to 2023, among 940 places.
• Against the state trend: Paton's 1.4% change compares with a Iowa average of -0.7% across its 940 places.
• Density in Iowa: Paton ranks 667th by people per square mile.
• Density in context: Paton's 388 people per square mile sit against a Iowa median of 672.
• Location: latitude 42.1644, longitude -94.2550 (Census Gazetteer).
• Nearest larger cities: Harcourt (8 mi); Gowrie (8 mi); Grand Junction (9 mi); Farnhamville (11 mi); Churdan (11 mi). Larger metros often have more branches, but online lenders reach Paton on the same terms.
• Smaller communities within reach: Dana (4 mi); Boxholm (8 mi); Beaver (11 mi).
• Smaller places within 50 miles: 40 of them.
• Within 100 miles: 350 places are larger than Paton.

A practical checklist for Paton borrowers

A sensible order of operations for a loan in Paton, home to about 218 people:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Model the payment on the calculator before a lender models it for you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Make sure the lender appears in the Iowa regulator's licence list.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Keep the amount to the expense; an approval is not a reason to take more.

In Paton as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 218 residents.

Iowa rules behind a Paton personal loan

For the roughly 218 residents of Paton, the rules below are Iowa's own; each row carries its publisher and retrieval date.

Where Paton sits in Iowa

Within Iowa, Paton holds roughly 0.0% of all residents, the 644th-largest share among 940 places. For population change between 2020 and 2023, Paton ranks 498th of 940 in Iowa (about the 47th percentile). By density, at about 388 people per square mile, it ranks 667th in Iowa. In land area, Paton ranks 608th among Iowa's 940 places.

Inside a Paton personal loan

Paton is a small community of about 218 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 Paton can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Paton loan is knowable in advance — unlike a revolving card balance.

Getting a loan in Paton

At roughly 388 people per square mile, Paton is lightly settled; 104 larger places lie within 50 miles. What is available to Paton's 218 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest larger city, Harcourt, IA about 8 miles away.