Personal loans in Fremont, IA

For the 685 people in Fremont, Iowa runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Fremont is home to roughly 685 people and stands 380th by size out of 940 Census places in Iowa. Price two or three terms so you can see which payment is truly affordable in Fremont. Fremont shed about 1.9% of its population between the 2020 base and the 2023 estimate. The nearest larger metro is Hedrick, IA about 7 miles away.

Fremont: the sourced local profile

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

• Population: the Census counts 685 residents in Fremont (Vintage 2023 subcounty estimate), the 380th-largest figure among Iowa's 940 places.
• Population trend: A drop of about 1.9% from 2020 to 2023.
• Net change: roughly 13 fewer people than the 2020 Census counted.
• Size percentile: about 60% of Iowa's Census places are smaller than Fremont.
• Density: roughly 644 residents per square mile, spread over 1.1 sq mi of land.
• Land area: Fremont covers 1.1 square miles, the 366th-largest area among Iowa's 940 places.
• State population share: Fremont accounts for about 0.0% of everyone in Iowa.
• National rank: Fremont is the 11,878th most populous of the 19,457 Census places covered here.
• Growth in Iowa: Fremont stands 601st by percentage change from 2020 to 2023, among 940 places.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Fremont's 1.9%.
• Density rank: Fremont is the 500th most densely settled place in Iowa.
• Against the state median: Fremont runs about 644 residents per square mile, where the Iowa median is 672.
• Location: 41.2125, -92.4337 (US Census Bureau Gazetteer).
• Nearest larger cities: Hedrick (7 mi); Eddyville (11 mi); Oskaloosa (12 mi); Ottumwa (13 mi); Sigourney (15 mi). A branch is convenient; it is not what sets your APR.
• Smaller places nearby: Kirkville (6 mi); Keomah Village (7 mi); Rose Hill (8 mi).
• Smaller neighbours: 86 places smaller than Fremont sit within 50 miles.
• At 100 miles: 212 larger Census places fall inside that radius.

Fremont: area, density and distance

The Census Gazetteer records about 1.1 square miles of land within Fremont, with no significant water area listed. Spread across it are roughly 644 residents per square mile. Des Moines, the largest place in Iowa, is about 66 miles from Fremont. Fremont has 37 larger places within a 50-mile radius. By land area it ranks 366th of 940 Iowa places.

How personal loans work in Fremont

With roughly 685 residents, Fremont 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 Fremont lender to disclose the APR and finance charge before you sign. Shortening the term on a Fremont loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Which Iowa laws govern a loan in Fremont

Below are the Iowa rules that apply to a loan made in Fremont, each with the regulator that issued it.

Steps to take before a Fremont loan

Before you hand your details to a lender in Fremont, where the population is near 685:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Look the lender up in the Iowa regulator's licence records before you sign.
5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
6. Be clear on what the loan is for and how it gets repaid.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

None of these steps is Fremont-specific: the same Iowa licensing and disclosure rules reach all 685 residents.

How lenders reach Fremont

With about 644 residents per square mile, Fremont is moderately settled, and 37 larger Census places sit within 50 miles. A Iowa licence lets a lender serve Fremont without a local office, so branch density does not change what its 685 residents are offered. For a larger market, the closest option is Hedrick, IA about 7 miles away.