Hampton at a glance
- Population: about 4,272, 100th by size in Iowa of 940 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 4,338 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population fell about 1.5% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Iowa places: 100th of 940 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 89% of Iowa's places have fewer residents (US Census Bureau).
- Coordinates: 42.7420, -93.2050 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Iowa Falls, IA (16 mi); Mason City, IA (28 mi); Clear Lake, IA (28 mi); Charles City, IA (35 mi); Webster City, IA (37 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Hansell, IA (5 mi); Geneva, IA (6 mi); Latimer, IA (8 mi), each a US Census place.
What a personal loan costs in Hampton
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Iowa lending rules that apply in Hampton
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| Maximum legal interest rate (usury cap) | 2 percentage points above the monthly average 10-year U.S. Treasury constant maturity rate (written agreements) Source says: "The maximum lawful rate of interest ... in any written agreement ... shall be two percentage points above the monthly average ten-year constant maturity interest rate". | Iowa Legislature (Iowa Code) 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 |
| 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 |
| Delayed deposit fee cap | Fee cap: $15 on first $100 of check face amount; $10 on subsequent $100 increments Source says: "fifteen dollars on the first one hundred dollars ... or more than ten dollars on subsequent one hundred dollar increments". | Iowa Legislature (Iowa Code) as of 2026-09-16 |
How to compare offers in Hampton
Run through this list before signing anything in Hampton:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Iowa using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.