Personal loans in Colwell, IA

With 57 residents, Colwell outranks about 5% of the communities in Iowa. A lender that serves Colwell operates under Iowa lending statutes and a Iowa supervisor. A 2020-to-2023 comparison shows Colwell down by about 1.7%. The closest larger city is Charles City, IA about 8 miles away.

What the Census records for Colwell

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

• Population: about 57 people live here, which puts Colwell 890th of 940 Census places in Iowa (Vintage 2023).
• Population trend: A drop of about 1.7% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
• Size percentile: about 5% of Iowa communities are smaller than Colwell (57 residents).
• Population density: 345 people per square mile on 0.2 square miles of land.
• By land area: Colwell ranks 884th among Iowa's 940 places, at 0.2 sq mi.
• State share: roughly 0.0% of Iowa's residents live in Colwell (57 people).
• National rank: Colwell sits 18,871st by population among the 19,457 places in this dataset.
• Growth in Iowa: Colwell stands 584th by percentage change from 2020 to 2023, among 940 places.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Colwell's 1.7%.
• Density rank: Colwell places 706th among Iowa's places by people per square mile.
• Density vs Iowa: Colwell's 345 people per square mile compare with a state median of 672.
• Location: mapped by the US Census Bureau at 43.1572, -92.5916.
• Nearest larger cities: Charles City (8 mi); Floyd (8 mi); Alta Vista (9 mi); North Washington (9 mi); Elma (10 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities within reach: Bassett (8 mi); Jackson Junction (28 mi); Myrtle (40 mi).
• Within a 50-mile radius: 4 smaller Census places.
• At 100 miles: 487 larger Census places fall inside that radius.

The geography behind Colwell

Colwell covers about 0.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 345 people per square mile. Des Moines, the largest place in Iowa, is about 121 miles from Colwell. Within 50 miles of Colwell there are 116 larger Census places. The 100-mile radius contains 487 larger places.

What to do before borrowing in Colwell

Before you apply in Colwell, a community of about 57, work through these steps:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Verify the lender's Iowa licence with the regulator listed on this page.
5. Pick the shortest term whose payment you can comfortably afford.
6. Borrow only what the purpose requires, not the maximum you are offered.
7. Be clear on what the loan is for and how it gets repaid.

None of these steps is Colwell-specific: the same Iowa licensing and disclosure rules reach all 57 residents.

Getting a loan in Colwell

At roughly 345 people per square mile, Colwell is lightly settled; 116 larger places lie within 50 miles. Lenders licensed in Iowa reach Colwell's 57 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Charles City, IA about 8 miles away.

Iowa consumer-lending rules applied in Colwell

Iowa has no separate rate rule for Colwell; the sourced rows below are what reach every lender that serves its 57 people.

How a Colwell personal loan is priced

In Colwell, a small community of about 57, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Colwell lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Colwell loan but raises total interest, so the smallest payment is not the cheapest loan.