Personal loans in Cushing, IA

Decide the purpose of the loan and your repayment plan before sharing any details with a Cushing lender. Lenders active in Cushing report to a Iowa supervisor, identified in the sourced rows below. From the 2020 Census base to the 2023 estimate, the population declined by about 3.0%. The nearest larger city is Correctionville, IA about 6 miles away.

Cushing by the numbers

Two layers matter for a Cushing borrower: the local population picture and Iowa's consumer-lending statutes.

• Population: about 223 people live here, which puts Cushing 638th of 940 Census places in Iowa (Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 3.0%.
• Net change: roughly 7 fewer people than the 2020 Census counted.
• Size percentile: roughly 32% of Iowa's places have fewer residents than Cushing's 223.
• Density: the Census land area of 0.3 sq mi holds about 701 people per square mile.
• Land area: Cushing covers 0.3 square miles, the 778th-largest area among Iowa's 940 places.
• Within Iowa: about 0.0% of the state's population lives in Cushing.
• National rank: Cushing is the 16,123rd most populous of the 19,457 Census places covered here.
• Growth in Iowa: Cushing stands 816th by percentage change from 2020 to 2023, among 940 places.
• Against the state trend: Cushing's 3.0% change compares with a Iowa average of -0.7% across its 940 places.
• Density in Iowa: Cushing ranks 451st by people per square mile.
• Against the state median: Cushing runs about 701 residents per square mile, where the Iowa median is 672.
• Location: the Census Gazetteer records it at 42.4651, -95.6757.
• Nearest larger cities: Correctionville (6 mi); Holstein (7 mi); Battle Creek (11 mi); Anthon (11 mi); Pierson (11 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller towns: Washta (8 mi); Oto (17 mi); Arthur (19 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 35 of them.
• Within 100 miles: 322 places are larger than Cushing.

Cushing: area, density and distance

Inside Cushing's boundaries lie about 0.3 square miles of land, with no significant water area recorded. With 223 residents, the land area yields roughly 701 people per square mile. Des Moines, the largest place in Iowa, is about 123 miles from Cushing. Within 50 miles of Cushing there are 86 larger Census places. By land area it ranks 778th of 940 Iowa places.

Cushing against the rest of Iowa

Cushing is the 638th-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 816th of 940 Iowa places, putting it near the 13th percentile for growth. At about 701 people per square mile, Cushing is the 451st most densely settled place in Iowa. By land area, its 0.3 square miles rank 778th of 940 places in Iowa.

The Cushing borrowing checklist

These steps shape the offer you get in Cushing, a place of about 223 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the lender holds a Iowa licence by checking the regulator named above.
5. Borrow only what the purpose requires, not the maximum you are offered.
6. Be clear on what the loan is for and how it gets repaid.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

The process is identical across Iowa; what changes is your credit file, not the fact that Cushing holds 223 people.

What a Cushing borrower is actually offered

A Cushing personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 223 residents. Two numbers drive a Cushing loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Cushing loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How Iowa law applies in Cushing

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