Personal loans in Fredonia, IA

Fredonia: the sourced local profile

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

• Population: 211 residents; Fredonia is the 653rd-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: Lower by roughly 3.7% since the 2020 count.
• Absolute change: 8 residents lost between 2020 and 2023.
• Size percentile: roughly 31% of Iowa's places have fewer residents than Fredonia's 211.
• Population density: 1,397 people per square mile on 0.2 square miles of land.
• By land area: Fredonia ranks 891st among Iowa's 940 places, at 0.2 sq mi.
• State share: roughly 0.0% of Iowa's residents live in Fredonia (211 people).
• National rank: Fredonia sits 16,312th by population among the 19,457 places in this dataset.
• Growth rank: Fredonia's 2020-to-2023 change ranks 886th of 940 places in Iowa.
• Versus Iowa: the state average change is -0.7%, while Fredonia moved 3.7%.
• Density in Iowa: Fredonia ranks 100th by people per square mile.
• Density vs Iowa: Fredonia's 1,397 people per square mile compare with a state median of 672.
• Location: 41.2843, -91.3392 (US Census Bureau Gazetteer).
• Nearest larger cities: Columbus Junction (1 mi); Columbus City (3 mi); Letts (6 mi); Conesville (7 mi); Grandview (8 mi). A branch is convenient; it is not what sets your APR.
• Smaller communities within reach: Cotter (6 mi); Olds (15 mi); Oakville (20 mi).
• Smaller neighbours: 34 places smaller than Fredonia sit within 50 miles.
• Larger places within 100 miles: 387.

Fredonia in state context

Among Iowa's 940 places, Fredonia sits at 653rd for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Fredonia stands 886th among Iowa's 940 places — roughly the 6th percentile. By density, at about 1,397 people per square mile, it ranks 100th in Iowa. By land area, its 0.2 square miles rank 891st of 940 places in Iowa.

Before you apply in Fredonia

A sensible order of operations for a loan in Fredonia, home to about 211 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Verify the lender's Iowa licence with the regulator listed on this page.
5. Borrow only what the purpose requires, not the maximum you are offered.
6. Decide the purpose and how you will repay it before approaching any lender.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

None of these steps is Fredonia-specific: the same Iowa licensing and disclosure rules reach all 211 residents.

How Iowa law applies in Fredonia

For the roughly 211 residents of Fredonia, the rules below are Iowa's own; each row carries its publisher and retrieval date.

Where Fredonia sits

The Census Gazetteer records about 0.2 square miles of land within Fredonia, with no significant water area listed. That land carries about 1,397 people per square mile. The state's population centre of gravity, Des Moines, is roughly 119 miles away. Counting outward 50 miles, 110 larger communities surround Fredonia. The 100-mile radius contains 387 larger places.

What shapes a Fredonia personal loan

Most loans made to Fredonia's 211 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Fredonia's 211 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Fredonia loan raises the monthly payment but cuts the interest; lengthening it does the reverse.