Personal loans in Wheatland, IA
Wheatland is home to roughly 763 people and stands 341st by size out of 940 Census places in Iowa. Wheatland, Iowa — home to about 763 people — is a small community, so the terms you are offered follow Iowa law rather than any local rule.
Price two or three terms so you can see which payment is truly affordable in Wheatland. Which products a lender may offer to Wheatland's 763 residents follows from the Iowa consumer-lending framework. From the 2020 Census base to the 2023 estimate, the population declined by about 1.5%. The closest larger place is Lowden, IA about 5 miles away.
Wheatland: the sourced local profile
Wheatland is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 763 — Wheatland ranks 341st of 940 communities in Iowa (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 1.5%.
- Change in people: the 2020-to-2023 comparison is a loss of about 12 residents.
- Size percentile: about 64% of Iowa communities are smaller than Wheatland (763 residents).
- Population density: 1,329 people per square mile on 0.6 square miles of land.
- By land area: Wheatland ranks 593rd among Iowa's 940 places, at 0.6 sq mi.
- Share of Iowa: Wheatland holds about 0.0% of the state's population, some 763 people.
- National rank: Wheatland is the 11,397th most populous of the 19,457 Census places covered here.
- Growth in Iowa: Wheatland stands 547th by percentage change from 2020 to 2023, among 940 places.
- State comparison: Iowa's places average -0.7% for 2020-to-2023, against Wheatland's 1.5%.
- Density rank: Wheatland is the 125th most densely settled place in Iowa.
- Against the state median: Wheatland runs about 1,329 residents per square mile, where the Iowa median is 672.
- Location: mapped by the US Census Bureau at 41.8331, -90.8380.
- Nearest larger cities: Lowden (5 mi); Clarence (12 mi); DeWitt (15 mi); Tipton (16 mi); Long Grove (16 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller places: Calamus (4 mi); Toronto (5 mi); Dixon (7 mi).
- Smaller places within 50 miles: 72 of them.
- At 100 miles: 260 larger Census places fall inside that radius.
Wheatland on the map
Wheatland covers about 0.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 763 residents, the land area yields roughly 1,329 people per square mile. The state's population centre of gravity, Des Moines, is roughly 144 miles away. Counting outward 50 miles, 83 larger communities surround Wheatland. The 100-mile radius contains 260 larger places.
How a Wheatland personal loan is priced
Most loans made to Wheatland's 763 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Wheatland loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Wheatland loan but raises total interest, so the smallest payment is not the cheapest loan.
How lenders reach Wheatland
With about 1,329 residents per square mile, Wheatland is moderately settled, and 83 larger Census places sit within 50 miles. Whether Wheatland has a local branch or not, a Iowa-licensed lender can serve its 763 people online on the same terms. The nearest bigger place is Lowden, IA about 5 miles away.
Iowa rules behind a Wheatland personal loan
Every row below records a Iowa rule, its publisher and its retrieval date — the same rules a Wheatland lender must follow.
| 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 |
Wheatland's place among Iowa's 940 places
Among Iowa's 940 places, Wheatland sits at 341st for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Wheatland ranks 547th of 940 in Iowa (about the 42th percentile). By density, at about 1,329 people per square mile, it ranks 125th in Iowa. By land area, its 0.6 square miles rank 593rd of 940 places in Iowa.
Common questions
What are my options in Wheatland if my credit is poor?
What loan size can I expect in Wheatland?
Do I have to pledge anything to borrow in Wheatland?
Does comparing loans in Wheatland cost me credit score points?
Nearby places
- Toronto, IA — population 101
- Calamus, IA — population 350
- Lowden, IA — population 778
- Dixon, IA — population 204
- New Liberty, IA — population 133
- Lost Nation, IA — population 423
- Bennett, IA — population 335
- Grand Mound, IA — population 610