Personal loans in Cambridge, IA

Cambridge shed about 0.1% of its population between the 2020 base and the 2023 estimate. If debt is already a strain, a nonprofit credit counsellor can help Cambridge residents before they take on more. Every figure below is Iowa's own, applied to Cambridge's 828 residents, with the publisher and retrieval date attached. The closest larger place is Huxley, IA about 3 miles away.

Cambridge: population, trend and location

Here is the sourced Census picture for Cambridge, plus the Iowa lending rules that apply to a loan taken out here.

• Population: an estimated 828 residents, 325th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: A drop of about 0.1% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
• Size percentile: with 828 residents, Cambridge is larger than about 65% of Iowa's Census places.
• Density: roughly 619 residents per square mile, spread over 1.3 sq mi of land.
• Land area rank: Cambridge's 1.3 square miles rank 290th of 940 places in Iowa.
• State population share: Cambridge accounts for about 0.0% of everyone in Iowa.
• National rank: Cambridge is the 11,030th most populous of the 19,457 Census places covered here.
• Growth rank: Cambridge's 2020-to-2023 change ranks 300th of 940 places in Iowa.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Cambridge's 0.1%.
• Density rank: Cambridge is the 511th most densely settled place in Iowa.
• Against the state median: Cambridge runs about 619 residents per square mile, where the Iowa median is 672.
• Location: latitude 41.9017, longitude -93.5366 (Census Gazetteer).
• Nearest larger cities: Huxley (3 mi); Maxwell (7 mi); Elkhart (7 mi); Slater (8 mi); Nevada (9 mi). Living near a larger metro rarely changes what is available in Cambridge.
• Smaller places close by: Alleman (7 mi); Kelley (7 mi); Sheldahl (9 mi).
• Within a 50-mile radius: 85 smaller Census places.
• Larger places within 100 miles: 178.

A practical checklist for Cambridge borrowers

These steps shape the offer you get in Cambridge, a place of about 828 people:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Model the payment on the calculator before a lender models it for you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Make sure the lender appears in the Iowa regulator's licence list.
5. Make sure the new payment leaves room in a budget you already keep.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

None of these steps is Cambridge-specific: the same Iowa licensing and disclosure rules reach all 828 residents.

How a Cambridge personal loan is priced

Cambridge is a small community of about 828 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Cambridge. A longer term lowers the monthly payment on a Cambridge loan but raises total interest, so the smallest payment is not the cheapest loan.

Which Iowa laws govern a loan in Cambridge

The rows below set out what a licensed lender must follow in Iowa, and so for Cambridge's roughly 828 residents.

What is available to Cambridge borrowers

Cambridge is moderately settled, with about 619 people per square mile and 65 larger places within 50 miles. A Iowa licence lets a lender serve Cambridge without a local office, so branch density does not change what its 828 residents are offered. The nearest larger city, Huxley, IA about 3 miles away.

The geography behind Cambridge

Cambridge's land area is roughly 1.3 square miles, and the Gazetteer records no significant water area within it. That land carries about 619 people per square mile. The state's population centre of gravity, Des Moines, is roughly 23 miles away. Cambridge has 65 larger places within a 50-mile radius. The 100-mile radius contains 178 larger places.