Personal loans in Durango, IA

The roughly 21 people who live in Durango borrow under Iowa rules; city hall sets no personal-loan rate. Decide the purpose of the loan and your repayment plan before sharing any details with a Durango lender. When Iowa caps or restricts a product, lenders either change the terms or withdraw it from Durango as from the rest of the state. The closest larger city is Sherrill, IA about 3 miles away.

What the Census records for Durango

Here is the sourced Census picture for Durango, plus the Iowa lending rules that apply to a loan taken out here.

• Population: 21 people, a figure that places Durango 935th among the 940 Census places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 4.5% between 2020 and 2023.
• Net change: roughly 1 fewer people than the 2020 Census counted.
• Size percentile: about 1% of Iowa communities are smaller than Durango (21 residents).
• Population density: about 276 people per square mile (Census land area 0.1 sq mi).
• Land area: Durango covers 0.1 square miles, the 935th-largest area among Iowa's 940 places.
• State population share: Durango accounts for about 0.0% of everyone in Iowa.
• National rank: Durango is 19,334th of 19,457 places nationwide.
• Growth rank: Durango's 2020-to-2023 change ranks 923rd of 940 places in Iowa.
• Against the state trend: Durango's 4.5% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: Durango places 755th among Iowa's places by people per square mile.
• Density in context: Durango's 276 people per square mile sit against a Iowa median of 672.
• Location: 42.5620 / -90.7754, per the US Census Bureau Gazetteer.
• Nearest larger cities: Sherrill (3 mi); Asbury (3 mi); Sageville (4 mi); Rickardsville (5 mi); Dubuque (6 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller neighbours: 0 places smaller than Durango sit within 50 miles.
• Larger places within 100 miles: 533.

Durango: area, density and distance

Durango's land area is roughly 0.1 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 276 residents per square mile. For the state's biggest city, Des Moines, the distance is roughly 161 miles. Within 50 miles of Durango there are 138 larger Census places. By land area it ranks 935th of 940 Iowa places.

The Durango borrowing checklist

Before you hand your details to a lender in Durango, where the population is near 21:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the Iowa licence with the regulator named above before committing.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Test the payment against your current bills before you commit.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

In Durango as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 21 residents.

How lenders reach Durango

At roughly 276 people per square mile, Durango is lightly settled; 138 larger places lie within 50 miles. Lenders licensed in Iowa reach Durango's 21 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Sherrill, IA about 3 miles away.

What a Durango borrower is actually offered

Durango is a small community of about 21 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Durango's 21 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Durango loan is knowable in advance — unlike a revolving card balance.

Iowa consumer-lending rules applied in Durango

For the roughly 21 residents of Durango, the rules below are Iowa's own; each row carries its publisher and retrieval date.