Personal loans in Swaledale, IA

Swaledale ranks 755th of 940 places in Iowa, with a population near 139. The nearest larger metro is Thornton, IA about 4 miles away. Consumer lending that reaches Swaledale's 139 residents is governed by Iowa statute; no city ordinance changes it. Use the calculator on this page to price an amount and term before you commit in Swaledale.

Swaledale by the numbers

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

• Population: about 139 people live here, which puts Swaledale 755th of 940 Census places in Iowa (Vintage 2023).
• Population trend: Down about 2.8% from the 2020 Census base to the 2023 estimate.
• Absolute change: 4 residents lost between 2020 and 2023.
• Size percentile: about 20% of Iowa's Census places are smaller than Swaledale.
• Density: roughly 558 residents per square mile, spread over 0.2 sq mi of land.
• By land area: Swaledale ranks 831st among Iowa's 940 places, at 0.2 sq mi.
• State share: roughly 0.0% of Iowa's residents live in Swaledale (139 people).
• National rank: Swaledale sits 17,442nd by population among the 19,457 places in this dataset.
• Growth rank: Swaledale ranks 784th among Iowa's 940 places for the 2020-to-2023 change.
• Against the state trend: Swaledale's 2.8% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: Swaledale is the 556th most densely settled place in Iowa.
• Density in context: Swaledale's 558 people per square mile sit against a Iowa median of 672.
• Location: mapped by the US Census Bureau at 42.9765, -93.3155.
• Nearest larger cities: Thornton (4 mi); Rockwell (6 mi); Sheffield (8 mi); Meservey (9 mi); Clear Lake (11 mi). Larger metros often have more branches, but online lenders reach Swaledale on the same terms.
• Smaller communities within reach: Dougherty (15 mi); Hansell (19 mi); Aredale (19 mi).
• Within a 50-mile radius: 22 smaller Census places.
• Larger places within 100 miles: 429.

Before you apply in Swaledale

Before you hand your details to a lender in Swaledale, where the population is near 139:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Look the lender up in the Iowa regulator's licence records before you sign.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Make sure the new payment leaves room in a budget you already keep.

In Swaledale as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 139 residents.

Lender access in Swaledale

Swaledale is moderately settled, with about 558 people per square mile and 107 larger places within 50 miles. Distance to a branch rarely matters for Swaledale's 139 residents: the application is online and the price follows your credit file. The nearest larger city, Thornton, IA about 4 miles away.

What a Swaledale borrower is actually offered

In Swaledale, a small community of about 139, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Swaledale's 139 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Swaledale loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The geography behind Swaledale

Swaledale covers about 0.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 558 people per square mile. Des Moines, the largest place in Iowa, is about 98 miles from Swaledale. A 50-mile radius around Swaledale takes in 107 places that are larger. The 100-mile radius contains 429 larger places.

The Iowa lending rules that reach Swaledale

When Iowa does not publish a figure, the row links to the source instead of inventing a number; Swaledale is bound by the same rules.