Personal loans in Earlham, IA

Borrowers who want a bigger city can look to Van Meter, IA about 9 miles away. The trend for Earlham between 2020 and 2023 is upward by roughly 0.1%. Rate ceilings, licensing requirements and product limits for Earlham are all set at the Iowa level. For a community of about 1,413, the practical step is to compare APR across at least three lenders before committing.

Local context for Earlham

Only a few things actually differ by place — population, area, location, and the Iowa rules a lender must follow — and they are below.

• Population: about 1,413 people live here, which puts Earlham 217th of 940 Census places in Iowa (Vintage 2023).
• Population trend: Higher by roughly 0.1% since the 2020 count.
• Absolute change: 2 residents added between 2020 and 2023.
• Size percentile: bigger than about 77% of the places in Iowa, with 1,413 residents in Earlham.
• Population density: about 1,495 people per square mile across 0.9 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Earlham covers 0.9 square miles, the 435th-largest area among Iowa's 940 places.
• Share of Iowa: Earlham holds about 0.1% of the state's population, some 1,413 people.
• Nationally: Earlham is the 8,914th-largest of 19,457 Census places in the dataset.
• Growth in Iowa: Earlham stands 223rd by percentage change from 2020 to 2023, among 940 places.
• Versus Iowa: the state average change is -0.7%, while Earlham moved 0.1%.
• Density rank: Earlham is the 74th most densely settled place in Iowa.
• Against the state median: Earlham runs about 1,495 residents per square mile, where the Iowa median is 672.
• Location: the Census Gazetteer records it at 41.4944, -94.1223.
• Nearest larger cities: Van Meter (9 mi); Adel (10 mi); Stuart (10 mi); Winterset (11 mi); Waukee (14 mi). Living near a larger metro rarely changes what is available in Earlham.
• Smaller towns nearby: Dexter (6 mi); De Soto (7 mi); Redfield (8 mi).
• Smaller neighbours: 90 places smaller than Earlham sit within 50 miles.
• Larger places within 100 miles: 106.

A pre-application checklist for Earlham

Before you hand your details to a lender in Earlham, where the population is near 1,413:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Line up several pre-qualified offers and let the APR decide.
4. Look the lender up in the Iowa regulator's licence records before you sign.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Test the payment against your current bills before you commit.

What differs between Earlham and the rest of Iowa is not the process but the borrower's own file, among the 1,413 people here.

Earlham's place among Iowa's 940 places

Earlham is the 217th-largest of 940 Census places in Iowa and contains about 0.1% of the state's people. On the 2020-to-2023 trend, Earlham stands 223rd among Iowa's 940 places — roughly the 76th percentile. By density, at about 1,495 people per square mile, it ranks 74th in Iowa. The population moved by about 2 people between 2020 and 2023, a 0.1% shift.

How Iowa law applies in Earlham

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

How lenders reach Earlham

With about 1,495 residents per square mile, Earlham is moderately settled, and 42 larger Census places sit within 50 miles. A Iowa licence lets a lender serve Earlham without a local office, so branch density does not change what its 1,413 residents are offered. For a larger market, the closest option is Van Meter, IA about 9 miles away.

Earlham: area, density and distance

Inside Earlham's boundaries lie about 0.9 square miles of land, with no significant water area recorded. With 1,413 residents, the land area yields roughly 1,495 people per square mile. The state's population centre of gravity, Des Moines, is roughly 27 miles away. Earlham has 42 larger places within a 50-mile radius. The 100-mile radius contains 106 larger places.