Personal loans in Fostoria, IA

Two households in Fostoria with comparable incomes can still be offered different rates; the city's 230 residents are not the reason. Census figures put the 2020-to-2023 decrease in Fostoria at about 0.9%. Begin with the payment, then weigh APR and total interest across the lenders that reach Fostoria's 230 residents. A larger market lies at Spencer, IA about 7 miles away.

Borrowing in Fostoria: the local picture

Most of what governs a Fostoria loan is written in Iowa law rather than in the city; the sourced notes below make that split concrete.

• Population: 230 people, a figure that places Fostoria 631st among the 940 Census places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 0.9% between 2020 and 2023.
• People gained or lost: about 2 fewer since the 2020 base.
• Size percentile: with 230 residents, Fostoria is larger than about 33% of Iowa's Census places.
• Population density: 567 people per square mile on 0.4 square miles of land.
• Land area rank: Fostoria's 0.4 square miles rank 720th of 940 places in Iowa.
• Share of Iowa: Fostoria holds about 0.0% of the state's population, some 230 people.
• National rank: Fostoria sits 16,014th by population among the 19,457 places in this dataset.
• Growth rank: Fostoria ranks 399th among Iowa's 940 places for the 2020-to-2023 change.
• Against the state trend: Fostoria's 0.9% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: Fostoria is the 549th most densely settled place in Iowa.
• Against the state median: Fostoria runs about 567 residents per square mile, where the Iowa median is 672.
• Location: 43.2430, -95.1549 (US Census Bureau Gazetteer).
• Nearest larger cities: Spencer (7 mi); Milford (7 mi); West Okoboji (7 mi); Arnolds Park (8 mi); Wahpeton (9 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places nearby: Dickens (10 mi); Greenville (16 mi); Rossie (16 mi).
• Within a 50-mile radius: 41 smaller Census places.
• At 100 miles: 315 larger Census places fall inside that radius.

What shapes a Fostoria personal loan

A Fostoria personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 230 residents. A lender serving Fostoria's 230 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Fostoria loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What is available to Fostoria borrowers

Fostoria is moderately settled, with about 567 people per square mile and 77 larger places within 50 miles. Distance to a branch rarely matters for Fostoria's 230 residents: the application is online and the price follows your credit file. The nearest larger city, Spencer, IA about 7 miles away.

Fostoria on the map

The Census Gazetteer records about 0.4 square miles of land within Fostoria, with no significant water area listed. Spread across it are roughly 567 residents per square mile. The state's population centre of gravity, Des Moines, is roughly 140 miles away. Counting outward 50 miles, 77 larger communities surround Fostoria. The 100-mile radius contains 315 larger places.

Fostoria against the rest of Iowa

Set beside Iowa's 940 places, Fostoria ranks 631st by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Fostoria ranks 399th of 940 in Iowa (about the 58th percentile). By density, at about 567 people per square mile, it ranks 549th in Iowa. Within 50 miles sit 41 smaller Census places, alongside the 77 that are larger.

Which Iowa laws govern a loan in Fostoria

These are Iowa's sourced lending facts as they reach Fostoria's 230 residents; the state has no city-level rate rule.