Personal loans in Charter Oak, IA

Compare APR, not the interest rate, because the APR folds in most fees on a Charter Oak loan. Population in Charter Oak dropped about 4.1% over the three years from 2020 to 2023. A lender that serves Charter Oak operates under Iowa lending statutes and a Iowa supervisor. Borrowers who want a bigger city can look to Schleswig, IA about 10 miles away.

What the Census records for Charter Oak

Set out below is Charter Oak's local context next to the state-level rules that reach every lender here.

• Population: 511 — Charter Oak ranks 432nd of 940 communities in Iowa (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 4.1% between 2020 and 2023.
• People gained or lost: about 22 fewer since the 2020 base.
• Size percentile: Charter Oak sits ahead of around 54% of Iowa places, at 511 people.
• Population density: about 996 people per square mile across 0.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Charter Oak's 0.5 square miles rank 646th of 940 places in Iowa.
• State share: roughly 0.0% of Iowa's residents live in Charter Oak (511 people).
• National rank: Charter Oak is the 13,080th most populous of the 19,457 Census places covered here.
• Growth in Iowa: Charter Oak stands 913th by percentage change from 2020 to 2023, among 940 places.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Charter Oak's 4.1%.
• Density rank: Charter Oak is the 269th most densely settled place in Iowa.
• Against the state median: Charter Oak runs about 996 residents per square mile, where the Iowa median is 672.
• Location: 42.0678 / -95.5895, per the US Census Bureau Gazetteer.
• Nearest larger cities: Schleswig (10 mi); Mapleton (12 mi); Denison (13 mi); Dunlap (15 mi); Battle Creek (17 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller places: Ricketts (4 mi); Ute (6 mi); Arion (11 mi).
• Within a 50-mile radius: 63 smaller Census places.
• Larger places within 100 miles: 227.

What is available to Charter Oak borrowers

At roughly 996 people per square mile, Charter Oak is moderately settled; 57 larger places lie within 50 miles. Lenders licensed in Iowa reach Charter Oak's 511 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Schleswig, IA about 10 miles away.

Before you apply in Charter Oak

Before you hand your details to a lender in Charter Oak, where the population is near 511:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Test your amount and term in the personal loan calculator first.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Verify the lender's Iowa licence with the regulator listed on this page.
5. Check that the monthly payment fits your budget next to your existing obligations.
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 Charter Oak-specific: the same Iowa licensing and disclosure rules reach all 511 residents.

Charter Oak's place among Iowa's 940 places

Against Iowa's other places, Charter Oak accounts for about 0.0% of the state's population and ranks 432nd of 940 by size. On the 2020-to-2023 trend, Charter Oak stands 913th among Iowa's 940 places — roughly the 3th percentile. Its roughly 996 residents per square mile place it 269th among Iowa's places. Within 50 miles sit 63 smaller Census places, alongside the 57 that are larger.

Charter Oak: area, density and distance

Charter Oak's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. With 511 residents, the land area yields roughly 996 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 108 miles. Within 50 miles of Charter Oak there are 57 larger Census places. Within the same 50 miles lie 63 smaller Census places.

The state rulebook for Charter Oak

This table holds the Iowa rate and licensing rules for consumer loans made to Charter Oak's 511 residents.