Personal loans in Clarion, IA
With roughly 2,745 residents, Clarion is a small community, and the lending rules its borrowers live under are written in Iowa, not by the city. With 2,745 residents, Clarion outranks about 86% of the communities in Iowa.
A 2020-to-2023 comparison shows Clarion down by about 2.3%. Consumer lending that reaches Clarion's 2,745 residents is governed by Iowa statute; no city ordinance changes it. Read the disclosure for an origination fee and any prepayment penalty before signing in Clarion. Borrowers who want a bigger city can look to Eagle Grove, IA about 10 miles away.
The Clarion data picture
What follows is Clarion's place in the Census record, alongside the Iowa rules that govern a personal loan made here.
- Population: a Census-estimated 2,745, 131st among Iowa's 940 places (Vintage 2023).
- Population trend: A drop of about 2.3% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 66 residents.
- Size percentile: bigger than about 86% of the places in Iowa, with 2,745 residents in Clarion.
- Population density: 817 people per square mile on 3.4 square miles of land.
- Land area rank: Clarion's 3.4 square miles rank 123rd of 940 places in Iowa.
- State share: roughly 0.1% of Iowa's residents live in Clarion (2,745 people).
- National rank: Clarion is 6,558th of 19,457 places nationwide.
- Growth in Iowa: Clarion stands 713th by percentage change from 2020 to 2023, among 940 places.
- Against the state trend: Clarion's 2.3% change compares with a Iowa average of -0.7% across its 940 places.
- Density in Iowa: Clarion ranks 378th by people per square mile.
- Density in context: Clarion's 817 people per square mile sit against a Iowa median of 672.
- Location: coordinates 42.7320, -93.7298 (US Census Bureau Gazetteer).
- Nearest larger cities: Eagle Grove (10 mi); Webster City (19 mi); Humboldt (25 mi); Garner (26 mi); Hampton (27 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Galt (7 mi); Rowan (9 mi); Goldfield (10 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 120 smaller Census places.
- At 100 miles: 74 larger Census places fall inside that radius.
What a Clarion borrower is actually offered
In Clarion, a small community of about 2,745, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Clarion can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Clarion loan is knowable in advance — unlike a revolving card balance.
Clarion against the rest of Iowa
Within Iowa, Clarion holds roughly 0.1% of all residents, the 131st-largest share among 940 places. On the 2020-to-2023 trend, Clarion stands 713th among Iowa's 940 places — roughly the 24th percentile. Its roughly 817 residents per square mile place it 378th among Iowa's places. Within 50 miles sit 120 smaller Census places, alongside the 14 that are larger.
Which Iowa laws govern a loan in Clarion
This table holds the Iowa rate and licensing rules for consumer loans made to Clarion's 2,745 residents.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
Getting a loan in Clarion
Clarion is a moderately settled community of about 2,745 people, with 14 larger places inside a 50-mile radius. A Iowa licence lets a lender serve Clarion without a local office, so branch density does not change what its 2,745 residents are offered. For a larger market, the closest option is Eagle Grove, IA about 10 miles away.
Clarion on the map
Clarion covers about 3.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 2,745 residents, the land area yields roughly 817 people per square mile. The largest place in Iowa, Des Moines, lies about 80 miles away. Clarion has 14 larger places within a 50-mile radius. Within the same 50 miles lie 120 smaller Census places.
Common questions
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Nearby places
- Galt, IA — population 22
- Belmond, IA — population 2,399
- Rowan, IA — population 119
- Eagle Grove, IA — population 3,566
- Goldfield, IA — population 614
- Woolstock, IA — population 140
- Kanawha, IA — population 639
- Goodell, IA — population 140