Personal loans in Essex, IA

The Census counts 717 people in Essex, the 364th-largest figure among Iowa's 940 places. Decide the purpose of the loan and your repayment plan before sharing any details with a Essex lender. Consumer lending that reaches Essex's 717 residents is governed by Iowa statute; no city ordinance changes it. For a bigger market, look to Shenandoah, IA about 6 miles away.

Essex: population, trend and location

Two layers matter for a Essex borrower: the local population picture and Iowa's consumer-lending statutes.

• Population: about 717, ranked 364th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: A decline of about 1.1% across the 2020-to-2023 comparison.
• Change in people: the 2020-to-2023 comparison is a loss of about 8 residents.
• Size percentile: about 61% of Iowa communities are smaller than Essex (717 residents).
• Density: the Census land area of 1.6 sq mi holds about 439 people per square mile.
• Land area rank: Essex's 1.6 square miles rank 247th of 940 places in Iowa.
• Share of state population: Essex's 717 residents are about 0.0% of Iowa.
• National rank: Essex sits 11,694th by population among the 19,457 places in this dataset.
• Growth rank: Essex ranks 439th among Iowa's 940 places for the 2020-to-2023 change.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Essex's 1.1%.
• Density in Iowa: Essex ranks 641st by people per square mile.
• Against the state median: Essex runs about 439 residents per square mile, where the Iowa median is 672.
• Location: it lies at 40.8328, -95.3053 in the Census Gazetteer.
• Nearest larger cities: Shenandoah (6 mi); Red Oak (13 mi); Clarinda (16 mi); Villisca (18 mi); Sidney (19 mi). Living near a larger metro rarely changes what is available in Essex.
• Smaller communities close by: Coburg (6 mi); Imogene (7 mi); Yorktown (10 mi), each with its own Census population profile.
• Within a 50-mile radius: 79 smaller Census places.
• At 100 miles: 148 larger Census places fall inside that radius.

Where Essex sits in Iowa

Among Iowa's 940 places, Essex sits at 364th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Essex stands 439th among Iowa's 940 places — roughly the 53th percentile. By density, at about 439 people per square mile, it ranks 641st in Iowa. Between 2020 and 2023 the count changed by roughly 8 residents.

The Iowa lending rules that reach Essex

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

A pre-application checklist for Essex

For Essex's roughly 717 residents, these are the steps that most influence the offer:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Test your amount and term in the personal loan calculator first.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Iowa regulator's records to confirm the lender is licensed here.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

In Essex as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 717 residents.

Getting a loan in Essex

With about 439 residents per square mile, Essex is lightly settled, and 40 larger Census places sit within 50 miles. Lenders licensed in Iowa reach Essex's 717 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Shenandoah, IA about 6 miles away.

What a Essex borrower is actually offered

With roughly 717 residents, Essex is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Essex lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Essex loan but raises total interest, so the smallest payment is not the cheapest loan.