Personal loans in Evansdale, IA

Evansdale is a small community of about 4,490 residents, and a personal loan taken out here is governed by Iowa statute. Decide the purpose of the loan and your repayment plan before sharing any details with a Evansdale lender. Rate ceilings, licensing requirements and product limits for Evansdale are all set at the Iowa level. For a bigger market, look to Waterloo, IA about 5 miles away.

Evansdale: the sourced local profile

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

• Population: about 4,490, ranked 96th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: Down about 1.6% from the 2020 Census base to the 2023 estimate.
• Absolute change: 72 residents lost between 2020 and 2023.
• Size percentile: about 90% of Iowa communities are smaller than Evansdale (4,490 residents).
• Population density: about 1,124 people per square mile (Census land area 4.0 sq mi).
• By land area: Evansdale ranks 109th among Iowa's 940 places, at 4.0 sq mi.
• Water area: Evansdale has 0.07 square miles of water, ranking 72nd of 940 places in Iowa.
• Share of state population: Evansdale's 4,490 residents are about 0.2% of Iowa.
• National rank: Evansdale is 5,147th of 19,457 places nationwide.
• Growth rank: Evansdale's 2020-to-2023 change ranks 553rd of 940 places in Iowa.
• Against the state trend: Evansdale's 1.6% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: Evansdale places 204th among Iowa's places by people per square mile.
• Density in context: Evansdale's 1,124 people per square mile sit against a Iowa median of 672.
• Location: 42.4657, -92.2694 (Census Gazetteer coordinates).
• Nearest larger cities: Waterloo (5 mi); Cedar Falls (10 mi); Independence (19 mi); Waverly (20 mi); Oelwein (23 mi). Living near a larger metro rarely changes what is available in Evansdale.
• Smaller towns nearby: Elk Run Heights (1 mi); Raymond (2 mi); Gilbertville (4 mi).
• Within a 50-mile radius: 124 smaller Census places.
• At 100 miles: 57 larger Census places fall inside that radius.

How lenders reach Evansdale

Evansdale is moderately settled, with about 1,124 people per square mile and 12 larger places within 50 miles. Whether Evansdale has a local branch or not, a Iowa-licensed lender can serve its 4,490 people online on the same terms. For a larger market, the closest option is Waterloo, IA about 5 miles away.

Iowa rules behind a Evansdale personal loan

The rows below set out what a licensed lender must follow in Iowa, and so for Evansdale's roughly 4,490 residents.

Evansdale: area, density and distance

Inside Evansdale's boundaries lie roughly 4.0 square miles of land and 0.07 square miles of water. Spread across it are roughly 1,124 residents per square mile. The state's population centre of gravity, Des Moines, is roughly 92 miles away. Counting outward 50 miles, 12 larger communities surround Evansdale. The 100-mile radius contains 57 larger places.

How a Evansdale personal loan is priced

Evansdale is a small community of about 4,490 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Evansdale. Because the payment is fixed, the total cost of a Evansdale loan is knowable in advance — unlike a revolving card balance.

Evansdale against the rest of Iowa

Set beside Iowa's 940 places, Evansdale ranks 96th by population and holds about 0.2% of the state total. Its 2020-to-2023 change ranks 553rd of 940 Iowa places, putting it near the 41th percentile for growth. By density, at about 1,124 people per square mile, it ranks 204th in Iowa. By land area, its 4.0 square miles rank 109th of 940 places in Iowa.