Personal loans in Portsmouth, IA

The 2020 count to the 2023 estimate shows about 1.1% growth in Portsmouth. Price two or three terms so you can see which payment is truly affordable in Portsmouth. For a bigger market, look to Persia, IA about 6 miles away. Lenders active in Portsmouth report to a Iowa supervisor, identified in the sourced rows below.

What the Census records for Portsmouth

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

• Population: 189 — Portsmouth ranks 680th of 940 communities in Iowa (US Census Bureau, Vintage 2023).
• Population trend: Up about 1.1% from the 2020 Census base to the 2023 estimate.
• Net change: roughly 2 more people than the 2020 Census counted.
• Size percentile: about 28% of Iowa communities are smaller than Portsmouth (189 residents).
• Land and density: 0.3 square miles of land carry roughly 616 residents per square mile.
• By land area: Portsmouth ranks 787th among Iowa's 940 places, at 0.3 sq mi.
• State population share: Portsmouth accounts for about 0.0% of everyone in Iowa.
• National rank: Portsmouth is the 16,646th most populous of the 19,457 Census places covered here.
• Growth rank: Portsmouth's 2020-to-2023 change ranks 143rd of 940 places in Iowa.
• Versus Iowa: the state average change is -0.7%, while Portsmouth moved 1.1%.
• Density rank: Portsmouth places 514th among Iowa's places by people per square mile.
• Against the state median: Portsmouth runs about 616 residents per square mile, where the Iowa median is 672.
• Location: latitude 41.6503, longitude -95.5195 (Census Gazetteer).
• Nearest larger cities: Persia (6 mi); Panama (6 mi); Harlan (10 mi); Earling (10 mi); Shelby (11 mi). A branch is convenient; it is not what sets your APR.
• Smaller communities close by: Tennant (5 mi); Westphalia (8 mi); Kirkman (14 mi), each with its own Census population profile.
• Smaller places within 50 miles: 27 of them.
• At 100 miles: 341 larger Census places fall inside that radius.

Land, water and location for Portsmouth

Portsmouth's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 616 residents per square mile. Des Moines, the largest place in Iowa, is about 99 miles from Portsmouth. Within 50 miles of Portsmouth there are 94 larger Census places. Within the same 50 miles lie 27 smaller Census places.

The state rulebook for Portsmouth

The rows below set out what a licensed lender must follow in Iowa, and so for Portsmouth's roughly 189 residents.

Lender access in Portsmouth

With about 616 residents per square mile, Portsmouth is moderately settled, and 94 larger Census places sit within 50 miles. Distance to a branch rarely matters for Portsmouth's 189 residents: the application is online and the price follows your credit file. The nearest bigger place is Persia, IA about 6 miles away.

Before you apply in Portsmouth

Before you apply in Portsmouth, a community of about 189, work through these steps:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Iowa regulator's records to confirm the lender is licensed here.
5. Pick the shortest term whose payment you can comfortably afford.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Be clear on what the loan is for and how it gets repaid.

In Portsmouth as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 189 residents.

What shapes a Portsmouth personal loan

In Portsmouth, a small community of about 189, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Portsmouth's rank of 680th in Iowa: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Portsmouth loan but raises total interest, so the smallest payment is not the cheapest loan.