Personal loans in Baldwin, IA

Pull your credit reports and line up at least three offers before you apply from Baldwin. The trend for Baldwin between 2020 and 2023 is downward by roughly 1.0%. Consumer lending that reaches Baldwin's 100 residents is governed by Iowa statute; no city ordinance changes it. The nearest larger city is Monmouth, IA about 2 miles away.

Baldwin by the numbers

Only a few things actually differ by place — population, area, location, and the Iowa rules a lender must follow — and they are below.

• Population: 100 people, a figure that places Baldwin 821st among the 940 Census places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: About 1.0% below the 2020 Census base.
• People gained or lost: about 1 fewer since the 2020 base.
• Size percentile: bigger than about 13% of the places in Iowa, with 100 residents in Baldwin.
• Population density: 263 people per square mile on 0.4 square miles of land.
• Land area: Baldwin covers 0.4 square miles, the 733rd-largest area among Iowa's 940 places.
• State share: roughly 0.0% of Iowa's residents live in Baldwin (100 people).
• National standing: Baldwin ranks 18,117th of 19,457 US places.
• Growth rank: Baldwin's 2020-to-2023 change ranks 421st of 940 places in Iowa.
• Versus Iowa: the state average change is -0.7%, while Baldwin moved 1.0%.
• Density rank: Baldwin is the 772nd most densely settled place in Iowa.
• Against the state median: Baldwin runs about 263 residents per square mile, where the Iowa median is 672.
• Location: the Census Gazetteer records it at 42.0731, -90.8386.
• Nearest larger cities: Monmouth (2 mi); Lost Nation (7 mi); Oxford Junction (9 mi); Wyoming (9 mi); Maquoketa (9 mi). Living near a larger metro rarely changes what is available in Baldwin.
• Nearest smaller places: Zwingle (17 mi); Spragueville (21 mi); Morley (21 mi).
• Smaller places within 50 miles: 10 of them.
• Within 100 miles: 521 places are larger than Baldwin.

Where Baldwin sits

Inside Baldwin's boundaries lie about 0.4 square miles of land, with no significant water area recorded. The resulting density is about 263 people per square mile. Des Moines, the largest place in Iowa, is about 147 miles from Baldwin. A 50-mile radius around Baldwin takes in 151 places that are larger. Within the same 50 miles lie 10 smaller Census places.

Where Baldwin sits in Iowa

Against Iowa's other places, Baldwin accounts for about 0.0% of the state's population and ranks 821st of 940 by size. For population change between 2020 and 2023, Baldwin ranks 421st of 940 in Iowa (about the 55th percentile). By density, at about 263 people per square mile, it ranks 772nd in Iowa. In land area, Baldwin ranks 733rd among Iowa's 940 places.

What a Baldwin borrower is actually offered

Most loans made to Baldwin's 100 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Baldwin. Because the payment is fixed, the total cost of a Baldwin loan is knowable in advance — unlike a revolving card balance.

Iowa rules behind a Baldwin personal loan

The rows below set out what a licensed lender must follow in Iowa, and so for Baldwin's roughly 100 residents.

Lender access in Baldwin

Baldwin is lightly settled, with about 263 people per square mile and 151 larger places within 50 miles. A Iowa licence lets a lender serve Baldwin without a local office, so branch density does not change what its 100 residents are offered. For a larger market, the closest option is Monmouth, IA about 2 miles away.