Personal loans in Walford, IA

The first question in Walford is not the rate on offer but whether the payment fits; about 1,355 people live here under Iowa lending law. Population in Walford dropped about 0.9% over the three years from 2020 to 2023. Decide the purpose of the loan and your repayment plan before sharing any details with a Walford lender. For a bigger market, look to Fairfax, IA about 4 miles away.

Where Walford stands

Most of what governs a Walford loan is written in Iowa law rather than in the city; the sourced notes below make that split concrete.

• Population: 1,355 residents; Walford is the 222nd-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: A drop of about 0.9% from 2020 to 2023.
• Absolute change: 12 residents lost between 2020 and 2023.
• Size percentile: roughly 76% of Iowa's places have fewer residents than Walford's 1,355.
• Population density: 1,303 people per square mile on 1.0 square miles of land.
• Land area: Walford covers 1.0 square miles, the 374th-largest area among Iowa's 940 places.
• Share of state population: Walford's 1,355 residents are about 0.1% of Iowa.
• National rank: Walford sits 9,090th by population among the 19,457 places in this dataset.
• Growth in Iowa: Walford stands 402nd by percentage change from 2020 to 2023, among 940 places.
• Against the state trend: Walford's 0.9% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: Walford is the 130th most densely settled place in Iowa.
• Density vs Iowa: Walford's 1,303 people per square mile compare with a state median of 672.
• Location: 41.8798, -91.8306 (Census Gazetteer coordinates).
• Nearest larger cities: Fairfax (4 mi); Atkins (8 mi); Cedar Rapids (10 mi); Ely (13 mi); Palo (13 mi). Online lenders reach Walford no matter how far the nearest branch is.
• Nearest smaller places: Norway (5 mi); Swisher (7 mi); Shueyville (10 mi).
• Smaller neighbours: 92 places smaller than Walford sit within 50 miles.
• Within 100 miles: 157 places are larger than Walford.

What is available to Walford borrowers

Walford is moderately settled, with about 1,303 people per square mile and 45 larger places within 50 miles. What is available to Walford's 1,355 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest larger city, Fairfax, IA about 4 miles away.

Where Walford sits

Inside Walford's boundaries lie about 1.0 square miles of land, with no significant water area recorded. Spread across it are roughly 1,303 residents per square mile. The state's population centre of gravity, Des Moines, is roughly 94 miles away. Within 50 miles of Walford there are 45 larger Census places. Within the same 50 miles lie 92 smaller Census places.

Walford against the rest of Iowa

Walford is the 222nd-largest of 940 Census places in Iowa and contains about 0.1% of the state's people. Its 2020-to-2023 change ranks 402nd of 940 Iowa places, putting it near the 57th percentile for growth. By density, at about 1,303 people per square mile, it ranks 130th in Iowa. The population moved by about 12 people between 2020 and 2023, a 0.9% shift.

Before you apply in Walford

A sensible order of operations for a loan in Walford, home to about 1,355 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Shop at least three lenders and judge them on APR and total cost.
4. Verify the lender's Iowa licence with the regulator listed on this page.
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.

The process is identical across Iowa; what changes is your credit file, not the fact that Walford holds 1,355 people.

The Iowa lending rules that reach Walford

Read the table as a lender's compliance picture for Walford: the rule, the sourced figure, the publisher and the date.