Personal loans in Plymouth, IA
If you are weighing a personal loan in Plymouth, start from the payment you can carry; its 369 residents face the same statewide rules. With an estimated 369 residents, Plymouth is the 516th-largest of 940 places in Iowa.
If debt is already a strain, a nonprofit credit counsellor can help Plymouth residents before they take on more. Plymouth shed about 3.4% of its population between the 2020 base and the 2023 estimate. Which products a lender may offer to Plymouth's 369 residents follows from the Iowa consumer-lending framework. The closest larger place is Manly, IA about 5 miles away.
Plymouth by the numbers
Read the local figures below as context; read the sourced Iowa table as the rulebook a lender here must follow.
- Population: the Census counts 369 residents in Plymouth (Vintage 2023 subcounty estimate), the 516th-largest figure among Iowa's 940 places.
- Population trend: Down about 3.4% from the 2020 Census base to the 2023 estimate.
- People gained or lost: about 13 fewer since the 2020 base.
- Size percentile: Plymouth sits ahead of around 45% of Iowa places, at 369 people.
- Density: roughly 837 residents per square mile, spread over 0.4 sq mi of land.
- Land area rank: Plymouth's 0.4 square miles rank 693rd of 940 places in Iowa.
- Share of state population: Plymouth's 369 residents are about 0.0% of Iowa.
- National standing: Plymouth ranks 14,423rd of 19,457 US places.
- Growth in Iowa: Plymouth stands 870th by percentage change from 2020 to 2023, among 940 places.
- Against the state trend: Plymouth's 3.4% change compares with a Iowa average of -0.7% across its 940 places.
- Density rank: Plymouth is the 363rd most densely settled place in Iowa.
- Density vs Iowa: Plymouth's 837 people per square mile compare with a state median of 672.
- Location: latitude 43.2464, longitude -93.1233 (Census Gazetteer).
- Nearest larger cities: Manly (5 mi); Mason City (8 mi); Nora Springs (9 mi); St. Ansgar (14 mi); Northwood (14 mi). Lenders licensed in the state serve Plymouth whether or not they keep a local branch.
- Nearest smaller places: Rock Falls (3 mi); Grafton (6 mi); Kensett (9 mi).
- Smaller places within 50 miles: 59 of them.
- Within 100 miles: 299 places are larger than Plymouth.
Where Plymouth sits in Iowa
Set beside Iowa's 940 places, Plymouth ranks 516th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Plymouth ranks 870th of 940 in Iowa (about the 7th percentile). By density, at about 837 people per square mile, it ranks 363rd in Iowa. Within 50 miles sit 59 smaller Census places, alongside the 64 that are larger.
How personal loans work in Plymouth
A Plymouth personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 369 residents. The APR tracks your credit score rather than Plymouth's rank of 516th in Iowa: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Plymouth loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Where Plymouth sits
The Census Gazetteer records about 0.4 square miles of land within Plymouth, with no significant water area listed. That land carries about 837 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 118 miles. Plymouth has 64 larger places within a 50-mile radius. By land area it ranks 693rd of 940 Iowa places.
The state rulebook for Plymouth
The rows below set out what a licensed lender must follow in Iowa, and so for Plymouth's roughly 369 residents.
| 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 |
| Payday lending status | Permitted under license (delayed deposit services; must be physically located in Iowa) Source says: "A person shall not operate a delayed deposit services business in this state unless the person is physically located in this state and licensed by the superintendent". | Iowa Legislature (Iowa Code) as of 2026-09-16 |
| Small-loan / installment lender licensing | Regulated Loan Act license required (superintendent of banking) Source says: "shall not engage in the business of making loans ... without first obtaining a license from the superintendent of banking". | Iowa Legislature (Iowa Code) as of 2026-09-16 |
Borrowing reach in Plymouth
Plymouth is moderately settled, with about 837 people per square mile and 64 larger places within 50 miles. What is available to Plymouth's 369 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Manly, IA about 5 miles away.
Common questions
What are my options in Plymouth if my credit is poor?
What loan size can I expect in Plymouth?
Do I have to pledge anything to borrow in Plymouth?
Does comparing loans in Plymouth cost me credit score points?
Nearby places
- Rock Falls, IA — population 145
- Manly, IA — population 1,231
- Grafton, IA — population 212
- Mason City, IA — population 26,906
- Kensett, IA — population 255
- Nora Springs, IA — population 1,348
- Carpenter, IA — population 90
- Northwood, IA — population 2,048