Personal loans in Dows, IA

Begin with the payment, then weigh APR and total interest across the lenders that reach Dows's 509 residents. State law, not city hall, decides what a lender may do to Dows's roughly 509 residents, and a state regulator supervises it. From the 2020 Census base to the 2023 estimate, the population declined by about 3.2%. The closest larger city is Alden, IA about 12 miles away.

What the Census records for Dows

Dows is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: the Census counts 509 residents in Dows (Vintage 2023 subcounty estimate), the 433rd-largest figure among Iowa's 940 places.
• Population trend: Down about 3.2% from the 2020 Census base to the 2023 estimate.
• Absolute change: 17 residents lost between 2020 and 2023.
• Size percentile: with 509 residents, Dows is larger than about 54% of Iowa's Census places.
• Population density: 662 people per square mile on 0.8 square miles of land.
• Land area: Dows covers 0.8 square miles, the 487th-largest area among Iowa's 940 places.
• Water: Dows holds about 0.03 square miles, the 117th-largest water area in Iowa.
• Share of Iowa: Dows holds about 0.0% of the state's population, some 509 people.
• National rank: Dows sits 13,093rd by population among the 19,457 places in this dataset.
• Growth in Iowa: Dows stands 844th by percentage change from 2020 to 2023, among 940 places.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Dows's 3.2%.
• Density rank: Dows places 479th among Iowa's places by people per square mile.
• Against the state median: Dows runs about 662 residents per square mile, where the Iowa median is 672.
• Location: the Census Gazetteer records it at 42.6584, -93.5020.
• Nearest larger cities: Alden (12 mi); Clarion (13 mi); Belmond (14 mi); Iowa Falls (15 mi); Hampton (16 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller towns nearby: Galt (6 mi); Popejoy (6 mi); Rowan (6 mi).
• Smaller neighbours: 76 places smaller than Dows sit within 50 miles.
• Within 100 miles: 250 places are larger than Dows.

What a Dows borrower is actually offered

Most loans made to Dows's 509 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The rate you see advertised is a range, not a promise, until a lender reviews your file in Dows. Because the payment is fixed, the total cost of a Dows loan is knowable in advance — unlike a revolving card balance.

Before you apply in Dows

Complete these steps first when you borrow in Dows (509 residents):

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Make sure the lender appears in the Iowa regulator's licence list.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Pick the shortest term whose payment you can comfortably afford.
7. Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Dows-specific: the same Iowa licensing and disclosure rules reach all 509 residents.

Dows in state context

Dows is the 433rd-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 844th of 940 Iowa places, putting it near the 10th percentile for growth. At about 662 people per square mile, Dows is the 479th most densely settled place in Iowa. Between 2020 and 2023 the count changed by roughly 17 residents.

Dows: area, density and distance

Dows covers about 0.8 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). That land carries about 662 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 75 miles. Within 50 miles of Dows there are 53 larger Census places. Within the same 50 miles lie 76 smaller Census places.

Which Iowa laws govern a loan in Dows

Every row below records a Iowa rule, its publisher and its retrieval date — the same rules a Dows lender must follow.