Personal loans in Diagonal, IA
Personal loans in Diagonal are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 338 population. A lender that serves Diagonal operates under Iowa lending statutes and a Iowa supervisor.
The Census estimates 338 residents in Diagonal, which ranks it 537th of 940 places in Iowa. Work out your debt-to-income ratio first; lenders weigh it heavily, and Diagonal's 338 residents are no exception. From the 2020 Census base to the 2023 estimate, the population declined by about 0.3%. A larger market lies at Mount Ayr, IA about 9 miles away.
The Diagonal data picture
Most of what governs a Diagonal loan is written in Iowa law rather than in the city; the sourced notes below make that split concrete.
- Population: the Census counts 338 residents in Diagonal (Vintage 2023 subcounty estimate), the 537th-largest figure among Iowa's 940 places.
- Population trend: A decline of about 0.3% across the 2020-to-2023 comparison.
- Absolute change: 1 residents lost between 2020 and 2023.
- Size percentile: bigger than about 43% of the places in Iowa, with 338 residents in Diagonal.
- Population density: about 370 people per square mile across 0.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Diagonal's 0.9 square miles rank 448th of 940 places in Iowa.
- Share of Iowa: Diagonal holds about 0.0% of the state's population, some 338 people.
- National standing: Diagonal ranks 14,704th of 19,457 US places.
- Growth rank: Diagonal ranks 314th among Iowa's 940 places for the 2020-to-2023 change.
- Versus Iowa: the state average change is -0.7%, while Diagonal moved 0.3%.
- Density rank: Diagonal places 681st among Iowa's places by people per square mile.
- Against the state median: Diagonal runs about 370 residents per square mile, where the Iowa median is 672.
- Location: 40.8109, -94.3419 (US Census Bureau Gazetteer).
- Nearest larger cities: Mount Ayr (9 mi); Lenox (12 mi); Afton (17 mi); Creston (17 mi); Bedford (22 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities close by: Shannon City (7 mi); Clearfield (7 mi); Benton (7 mi), each with its own Census population profile.
- Within a 50-mile radius: 72 smaller Census places.
- Larger places within 100 miles: 234.
How Iowa law applies in Diagonal
When Iowa does not publish a figure, the row links to the source instead of inventing a number; Diagonal is bound by the same rules.
| 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 |
| 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 |
| Delayed deposit fee cap | Fee cap: $15 on first $100 of check face amount; $10 on subsequent $100 increments Source says: "fifteen dollars on the first one hundred dollars ... or more than ten dollars on subsequent one hundred dollar increments". | Iowa Legislature (Iowa Code) as of 2026-09-16 |
What is available to Diagonal borrowers
Diagonal is lightly settled, with about 370 people per square mile and 42 larger places within 50 miles. Whether Diagonal has a local branch or not, a Iowa-licensed lender can serve its 338 people online on the same terms. The nearest bigger place is Mount Ayr, IA about 9 miles away.
How Diagonal compares across Iowa
Within Iowa, Diagonal holds roughly 0.0% of all residents, the 537th-largest share among 940 places. For population change between 2020 and 2023, Diagonal ranks 314th of 940 in Iowa (about the 67th percentile). By density, at about 370 people per square mile, it ranks 681st in Iowa. In land area, Diagonal ranks 448th among Iowa's 940 places.
The geography behind Diagonal
Diagonal's land area is roughly 0.9 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 370 residents per square mile. For the state's biggest city, Des Moines, the distance is roughly 65 miles. Within 50 miles of Diagonal there are 42 larger Census places. Within the same 50 miles lie 72 smaller Census places.
A pre-application checklist for Diagonal
Complete these steps first when you borrow in Diagonal (338 residents):
- Start with the credit file: order the reports, fix the errors, then apply.
- Use the loan calculator to test the payment on your intended amount and term.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Confirm the lender holds a Iowa licence by checking the regulator named above.
- Test the payment against your current bills before you commit.
- Pick the shortest term whose payment you can comfortably afford.
- Borrow only what the purpose requires, not the maximum you are offered.
The process is identical across Iowa; what changes is your credit file, not the fact that Diagonal holds 338 people.
Common questions
What are my options in Diagonal if my credit is poor?
What loan size can I expect in Diagonal?
Do I have to pledge anything to borrow in Diagonal?
Does comparing loans in Diagonal cost me credit score points?
Nearby places
- Benton, IA — population 40
- Shannon City, IA — population 72
- Clearfield, IA — population 282
- Mount Ayr, IA — population 1,626
- Tingley, IA — population 135
- Maloy, IA — population 26
- Arispe, IA — population 94
- Redding, IA — population 64