Personal loans in Exline, IA
In Exline, one of 940 Census places in Iowa, the figure to compare across lenders is the APR, not the advertised rate. Every figure below is Iowa's own, applied to Exline's 158 residents, with the publisher and retrieval date attached.
The Census counts 158 people in Exline, the 721st-largest figure among Iowa's 940 places. Pull your credit reports and line up at least three offers before you apply from Exline. Population in Exline dropped about 1.9% over the three years from 2020 to 2023. For a bigger market, look to Cincinnati, IA about 4 miles away.
Local context for Exline
Here is the sourced Census picture for Exline, plus the Iowa lending rules that apply to a loan taken out here.
- Population: 158 — Exline ranks 721st of 940 communities in Iowa (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 1.9% since the 2020 count.
- People gained or lost: about 3 fewer since the 2020 base.
- Size percentile: roughly 23% of Iowa places rank below Exline.
- Density: the Census land area of 1.0 sq mi holds about 159 people per square mile.
- Land area rank: Exline's 1.0 square miles rank 416th of 940 places in Iowa.
- Share of Iowa: Exline holds about 0.0% of the state's population, some 158 people.
- National rank: Exline sits 17,149th by population among the 19,457 places in this dataset.
- Growth rank: Exline's 2020-to-2023 change ranks 602nd of 940 places in Iowa.
- Versus Iowa: the state average change is -0.7%, while Exline moved 1.9%.
- Density rank: Exline is the 854th most densely settled place in Iowa.
- Against the state median: Exline runs about 159 residents per square mile, where the Iowa median is 672.
- Location: coordinates 40.6491, -92.8432 (US Census Bureau Gazetteer).
- Nearest larger cities: Cincinnati (4 mi); Centerville (6 mi); Moulton (9 mi); Mystic (10 mi); Unionville (15 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller towns nearby: Numa (8 mi); Udell (10 mi); Rathbun (11 mi).
- Within a 50-mile radius: 43 smaller Census places.
- At 100 miles: 317 larger Census places fall inside that radius.
How personal loans work in Exline
In Exline, a small community of about 158, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Exline's 158 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Exline loan but raises total interest, so the smallest payment is not the cheapest loan.
How Exline compares across Iowa
Set beside Iowa's 940 places, Exline ranks 721st by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Exline stands 602nd among Iowa's 940 places — roughly the 36th percentile. By density, at about 159 people per square mile, it ranks 854th in Iowa. The population moved by about 3 people between 2020 and 2023, a 1.9% shift.
The state rulebook for Exline
For the roughly 158 residents of Exline, the rules below are Iowa's own; each row carries its publisher and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Iowa Division of Banking (IDOB), Iowa Department of Insurance and Financial Services Source says: "As part of the 2023 state government realignment, the IDOB became part of a new Department of Insurance and Financial Services". | Iowa Division of Banking as of 2026-09-16 |
| Payday lending status | Permitted under license (delayed deposit services; must be physically located in Iowa) Source says: "A person shall not operate a delayed deposit services business in this state unless the person is physically located in this state and licensed by the superintendent". | Iowa Legislature (Iowa Code) as of 2026-09-16 |
| Small-loan / installment lender licensing | Regulated Loan Act license required (superintendent of banking) Source says: "shall not engage in the business of making loans ... without first obtaining a license from the superintendent of banking". | Iowa Legislature (Iowa Code) as of 2026-09-16 |
Land, water and location for Exline
Exline covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 159 people per square mile. Des Moines, the largest place in Iowa, is about 75 miles from Exline. Within 50 miles of Exline there are 61 larger Census places. Within the same 50 miles lie 43 smaller Census places.
Borrowing reach in Exline
Exline is lightly settled, with about 159 people per square mile and 61 larger places within 50 miles. Whether Exline has a local branch or not, a Iowa-licensed lender can serve its 158 people online on the same terms. For a larger market, the closest option is Cincinnati, IA about 4 miles away.
Common questions
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Nearby places
- Cincinnati, IA — population 283
- Centerville, IA — population 5,344
- Numa, IA — population 70
- Rathbun, IA — population 39
- Mystic, IA — population 321
- Udell, IA — population 30
- Moulton, IA — population 599
- Livonia, MO — population 55