Personal loans in College Springs, IA

The first question in College Springs is not the rate on offer but whether the payment fits; about 169 people live here under Iowa lending law. Census figures put the 2020-to-2023 decrease in College Springs at about 1.7%. For a community of about 169, the practical step is to compare APR across at least three lenders before committing. Every figure below is Iowa's own, applied to College Springs's 169 residents, with the publisher and retrieval date attached. The closest larger city is Coin, IA about 6 miles away.

Borrowing in College Springs: the local picture

What follows is College Springs's place in the Census record, alongside the Iowa rules that govern a personal loan made here.

• Population: the Census counts 169 residents in College Springs (Vintage 2023 subcounty estimate), the 708th-largest figure among Iowa's 940 places.
• Population trend: A drop of about 1.7% from 2020 to 2023.
• Net change: roughly 3 fewer people than the 2020 Census counted.
• Size percentile: roughly 25% of Iowa places rank below College Springs.
• Population density: about 151 people per square mile across 1.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: College Springs covers 1.1 square miles, the 338th-largest area among Iowa's 940 places.
• State population share: College Springs accounts for about 0.0% of everyone in Iowa.
• National standing: College Springs ranks 16,962nd of 19,457 US places.
• Growth rank: College Springs's 2020-to-2023 change ranks 586th of 940 places in Iowa.
• Versus Iowa: the state average change is -0.7%, while College Springs moved 1.7%.
• Density in Iowa: College Springs ranks 859th by people per square mile.
• Against the state median: College Springs runs about 151 residents per square mile, where the Iowa median is 672.
• Location: mapped by the US Census Bureau at 40.6214, -95.1210.
• Nearest larger cities: Coin (6 mi); Clarinda (9 mi); Burlington Junction (12 mi); New Market (14 mi); Shenandoah (16 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller towns nearby: Shambaugh (5 mi); Braddyville (5 mi); Blanchard (6 mi).
• Within a 50-mile radius: 61 smaller Census places.
• Within 100 miles: 329 places are larger than College Springs.

Where College Springs sits in Iowa

Among Iowa's 940 places, College Springs sits at 708th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 586th of 940 Iowa places, putting it near the 38th percentile for growth. By density, at about 151 people per square mile, it ranks 859th in Iowa. The population moved by about 3 people between 2020 and 2023, a 1.7% shift.

A practical checklist for College Springs borrowers

For College Springs's roughly 169 residents, these are the steps that most influence the offer:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Model the payment on the calculator before a lender models it for you.
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 that the monthly payment fits your budget next to your existing obligations.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

None of these steps is College Springs-specific: the same Iowa licensing and disclosure rules reach all 169 residents.

How a College Springs personal loan is priced

With roughly 169 residents, College Springs is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than College Springs's rank of 708th in Iowa: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a College Springs loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What Iowa law requires in College Springs

Read the table as a lender's compliance picture for College Springs: the rule, the sourced figure, the publisher and the date.

College Springs on the map

College Springs covers about 1.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 151 residents per square mile. For the state's biggest city, Des Moines, the distance is roughly 103 miles. A 50-mile radius around College Springs takes in 64 places that are larger. Within the same 50 miles lie 61 smaller Census places.