Personal loans in Tingley, IA

With roughly 135 residents, Tingley is a small community, and the lending rules its borrowers live under are written in Iowa, not by the city. With an estimated 135 residents, Tingley is the 764th-largest of 940 places in Iowa. The trend for Tingley between 2020 and 2023 is downward by roughly 0.7%. For a community of about 135, the practical step is to compare APR across at least three lenders before committing. The next larger city is Diagonal, IA about 8 miles away.

Borrowing in Tingley: the local picture

The figures below are Tingley's own — Census population, land area and coordinates — followed by the Iowa rules.

• Population: 135 people, a figure that places Tingley 764th among the 940 Census places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: A drop of about 0.7% from 2020 to 2023.
• Net change: roughly 1 fewer people than the 2020 Census counted.
• Size percentile: about 19% of Iowa's Census places are smaller than Tingley.
• Density: roughly 197 residents per square mile, spread over 0.7 sq mi of land.
• Land area rank: Tingley's 0.7 square miles rank 536th of 940 places in Iowa.
• Share of state population: Tingley's 135 residents are about 0.0% of Iowa.
• National rank: Tingley is the 17,526th most populous of the 19,457 Census places covered here.
• Growth rank: Tingley ranks 376th among Iowa's 940 places for the 2020-to-2023 change.
• Versus Iowa: the state average change is -0.7%, while Tingley moved 0.7%.
• Density rank: Tingley is the 820th most densely settled place in Iowa.
• Density vs Iowa: Tingley's 197 people per square mile compare with a state median of 672.
• Location: latitude 40.8528, longitude -94.1957 (Census Gazetteer).
• Nearest larger cities: Diagonal (8 mi); Mount Ayr (10 mi); Afton (12 mi); Grand River (12 mi); Kellerton (12 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Ellston (5 mi); Shannon City (5 mi); Arispe (7 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 35 of them.
• Within 100 miles: 357 places are larger than Tingley.

How Tingley compares across Iowa

Tingley is the 764th-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Tingley stands 376th among Iowa's 940 places — roughly the 60th percentile. By density, at about 197 people per square mile, it ranks 820th in Iowa. In land area, Tingley ranks 536th among Iowa's 940 places.

The Tingley borrowing checklist

A sensible order of operations for a loan in Tingley, home to about 135 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
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. Confirm the lender holds a Iowa licence by checking the regulator named above.
5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
6. Keep the amount to the expense; an approval is not a reason to take more.
7. Write down the purpose of the loan and your repayment plan before you apply.

None of these steps is Tingley-specific: the same Iowa licensing and disclosure rules reach all 135 residents.

What shapes a Tingley personal loan

Most loans made to Tingley's 135 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Tingley can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Tingley loan but raises total interest, so the smallest payment is not the cheapest loan.

Borrowing reach in Tingley

At roughly 197 people per square mile, Tingley is lightly settled; 76 larger places lie within 50 miles. Whether Tingley has a local branch or not, a Iowa-licensed lender can serve its 135 people online on the same terms. For a larger market, the closest option is Diagonal, IA about 8 miles away.

The state rulebook for Tingley

Iowa has no separate rate rule for Tingley; the sourced rows below are what reach every lender that serves its 135 people.