Personal loans in Calmar, IA

Personal loans in Calmar are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 1,097 population. Compare APR, not the interest rate, because the APR folds in most fees on a Calmar loan. A single loan can carry different costs on either side of a state line, and Calmar sits on the Iowa side of that line. The next larger city is Decorah, IA about 9 miles away.

Calmar: population, trend and location

Read the local figures below as context; read the sourced Iowa table as the rulebook a lender here must follow.

• Population: 1,097 people, a figure that places Calmar 257th among the 940 Census places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 3.3% between 2020 and 2023.
• Absolute change: 37 residents lost between 2020 and 2023.
• Size percentile: roughly 73% of Iowa places rank below Calmar.
• Density: roughly 977 residents per square mile, spread over 1.1 sq mi of land.
• Land area: Calmar covers 1.1 square miles, the 337th-largest area among Iowa's 940 places.
• State share: roughly 0.0% of Iowa's residents live in Calmar (1,097 people).
• Nationally: Calmar is the 9,861st-largest of 19,457 Census places in the dataset.
• Growth in Iowa: Calmar stands 849th by percentage change from 2020 to 2023, among 940 places.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Calmar's 3.3%.
• Density rank: Calmar places 277th among Iowa's places by people per square mile.
• Density vs Iowa: Calmar's 977 people per square mile compare with a state median of 672.
• Location: 43.1811 / -91.8680, per the US Census Bureau Gazetteer.
• Nearest larger cities: Decorah (9 mi); West Union (16 mi); Postville (17 mi); Cresco (18 mi); Waukon (21 mi). Lenders licensed in the state serve Calmar whether or not they keep a local branch.
• Smaller towns nearby: Fort Atkinson (4 mi); Spillville (5 mi); Ossian (6 mi).
• Smaller neighbours: 86 places smaller than Calmar sit within 50 miles.
• At 100 miles: 162 larger Census places fall inside that radius.

Land, water and location for Calmar

Calmar covers about 1.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 977 people per square mile. Des Moines, the largest place in Iowa, is about 142 miles from Calmar. Calmar has 31 larger places within a 50-mile radius. Within the same 50 miles lie 86 smaller Census places.

Calmar's place among Iowa's 940 places

Against Iowa's other places, Calmar accounts for about 0.0% of the state's population and ranks 257th of 940 by size. On the 2020-to-2023 trend, Calmar stands 849th among Iowa's 940 places — roughly the 10th percentile. Its roughly 977 residents per square mile place it 277th among Iowa's places. Between 2020 and 2023 the count changed by roughly 37 residents.

How lenders reach Calmar

With about 977 residents per square mile, Calmar is moderately settled, and 31 larger Census places sit within 50 miles. Whether Calmar has a local branch or not, a Iowa-licensed lender can serve its 1,097 people online on the same terms. For a larger market, the closest option is Decorah, IA about 9 miles away.

Before you apply in Calmar

A sensible order of operations for a loan in Calmar, home to about 1,097 people:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Line up several pre-qualified offers and let the APR decide.
4. Verify the lender's Iowa licence with the regulator listed on this page.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Make sure the new payment leaves room in a budget you already keep.
7. Weigh a shorter term's higher payment against the interest it saves.

In Calmar as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 1,097 residents.

Which Iowa laws govern a loan in Calmar

For the roughly 1,097 residents of Calmar, the rules below are Iowa's own; each row carries its publisher and retrieval date.