Wilton at a glance
- Population: 2,930 (US Census Bureau, Vintage 2023 subcounty estimate), the 122nd-largest of 940 places in Iowa.
- 2020 Census base: the 2020 count put the population at 2,925 (US Census Bureau).
- 2020 to 2023 change: an increase of about 0.2% since the 2020 count (US Census Bureau).
- Rank among Iowa places: 122nd-largest of 940 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: ahead of around 87% of Iowa places in population terms (US Census Bureau).
- Coordinates: mapped at 41.5891, -91.0255 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Muscatine, IA (12 mi); West Liberty, IA (12 mi); Tipton, IA (14 mi); Davenport, IA (22 mi); Eldridge, IA (23 mi) (US Census Bureau populations).
- Nearest smaller towns: Durant, IA (6 mi); Atalissa, IA (7 mi); Stockton, IA (9 mi) — US Census Bureau populations.
What a personal loan costs in Wilton
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Iowa lending rules that apply in Wilton
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Wilton
Before you share your details with a lender in Wilton:
- 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.