Personal loans in Dedham, IA

The trend for Dedham between 2020 and 2023 is downward by roughly 0.9%. Consumer lending that reaches Dedham's 221 residents is governed by Iowa statute; no city ordinance changes it. Use the calculator on this page to price an amount and term before you commit in Dedham. For a bigger market, look to Templeton, IA about 6 miles away.

Local context for Dedham

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

• Population: 221 residents; Dedham is the 639th-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 0.9% between 2020 and 2023.
• People gained or lost: about 2 fewer since the 2020 base.
• Size percentile: about 32% of Iowa's Census places are smaller than Dedham.
• Population density: about 400 people per square mile across 0.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Dedham covers 0.6 square miles, the 623rd-largest area among Iowa's 940 places.
• Within Iowa: about 0.0% of the state's population lives in Dedham.
• National rank: Dedham is 16,151st of 19,457 places nationwide.
• Growth rank: Dedham ranks 405th among Iowa's 940 places for the 2020-to-2023 change.
• Versus Iowa: the state average change is -0.7%, while Dedham moved 0.9%.
• Density rank: Dedham is the 660th most densely settled place in Iowa.
• Against the state median: Dedham runs about 400 residents per square mile, where the Iowa median is 672.
• Location: it lies at 41.9084, -94.8233 in the Census Gazetteer.
• Nearest larger cities: Templeton (6 mi); Coon Rapids (8 mi); Halbur (10 mi); Carroll (11 mi); Glidden (11 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Willey (5 mi); Gray (10 mi); Ralston (14 mi).
• Smaller places within 50 miles: 40 of them.
• Within 100 miles: 341 places are larger than Dedham.

Getting a loan in Dedham

With about 400 residents per square mile, Dedham is lightly settled, and 89 larger Census places sit within 50 miles. A Iowa licence lets a lender serve Dedham without a local office, so branch density does not change what its 221 residents are offered. The nearest larger city, Templeton, IA about 6 miles away.

Where Dedham sits in Iowa

Among Iowa's 940 places, Dedham sits at 639th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 405th of 940 Iowa places, putting it near the 57th percentile for growth. By density, at about 400 people per square mile, it ranks 660th in Iowa. The population moved by about 2 people between 2020 and 2023, a 0.9% shift.

The state rulebook for Dedham

Below are the Iowa rules that apply to a loan made in Dedham, each with the regulator that issued it.

A pre-application checklist for Dedham

Before you apply in Dedham, a community of about 221, work through these steps:

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 the disclosure for fees that raise the true cost above the quoted rate.
6. Make sure the new payment leaves room in a budget you already keep.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

None of these steps is Dedham-specific: the same Iowa licensing and disclosure rules reach all 221 residents.

How a Dedham personal loan is priced

A Dedham personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 221 residents. Two numbers drive a Dedham loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Dedham loan is knowable in advance — unlike a revolving card balance.