Personal loans in Garden Grove, IA
Garden Grove is a small community of about 174 residents, and a personal loan taken out here is governed by Iowa statute. Garden Grove is home to roughly 174 people and stands 701st by size out of 940 Census places in Iowa.
The next larger city is Humeston, IA about 6 miles away. A 2020-to-2023 comparison shows Garden Grove up by about 0.6%. A single loan can carry different costs on either side of a state line, and Garden Grove sits on the Iowa side of that line. Compare APR, not the interest rate, because the APR folds in most fees on a Garden Grove loan.
What the Census records for Garden Grove
Here is the sourced Census picture for Garden Grove, plus the Iowa lending rules that apply to a loan taken out here.
- Population: the Census counts 174 residents in Garden Grove (Vintage 2023 subcounty estimate), the 701st-largest figure among Iowa's 940 places.
- Population trend: A rise of about 0.6% from 2020 to 2023.
- Absolute change: 1 residents added between 2020 and 2023.
- Size percentile: Garden Grove sits ahead of around 25% of Iowa places, at 174 people.
- Land and density: 0.7 square miles of land carry roughly 257 residents per square mile.
- Land area rank: Garden Grove's 0.7 square miles rank 540th of 940 places in Iowa.
- Share of state population: Garden Grove's 174 residents are about 0.0% of Iowa.
- National rank: Garden Grove sits 16,879th by population among the 19,457 places in this dataset.
- Growth rank: Garden Grove's 2020-to-2023 change ranks 182nd of 940 places in Iowa.
- State comparison: Iowa's places average -0.7% for 2020-to-2023, against Garden Grove's 0.6%.
- Density in Iowa: Garden Grove ranks 774th by people per square mile.
- Density in context: Garden Grove's 257 people per square mile sit against a Iowa median of 672.
- Location: coordinates 40.8267, -93.6069 (US Census Bureau Gazetteer).
- Nearest larger cities: Humeston (6 mi); Leon (10 mi); Van Wert (10 mi); Decatur (13 mi); Allerton (15 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places nearby: Le Roy (4 mi); Weldon (8 mi); Derby (11 mi).
- Smaller places within 50 miles: 51 of them.
- Larger places within 100 miles: 298.
Lender access in Garden Grove
With about 257 residents per square mile, Garden Grove is lightly settled, and 62 larger Census places sit within 50 miles. Whether Garden Grove has a local branch or not, a Iowa-licensed lender can serve its 174 people online on the same terms. The nearest bigger place is Humeston, IA about 6 miles away.
Inside a Garden Grove personal loan
A Garden Grove personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 174 residents. A lender serving Garden Grove's 174 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Garden Grove loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
What Iowa law requires in Garden Grove
Iowa has no separate rate rule for Garden Grove; the sourced rows below are what reach every lender that serves its 174 people.
| 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 |
| Maximum legal interest rate (usury cap) | 2 percentage points above the monthly average 10-year U.S. Treasury constant maturity rate (written agreements) Source says: "The maximum lawful rate of interest ... in any written agreement ... shall be two percentage points above the monthly average ten-year constant maturity interest rate". | Iowa Legislature (Iowa Code) 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 |
Garden Grove: area, density and distance
The Census Gazetteer records about 0.7 square miles of land within Garden Grove, with no significant water area listed. That land carries about 257 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 52 miles. Garden Grove has 62 larger places within a 50-mile radius. By land area it ranks 540th of 940 Iowa places.
Garden Grove's place among Iowa's 940 places
Within Iowa, Garden Grove holds roughly 0.0% of all residents, the 701st-largest share among 940 places. For population change between 2020 and 2023, Garden Grove ranks 182nd of 940 in Iowa (about the 81th percentile). At about 257 people per square mile, Garden Grove is the 774th most densely settled place in Iowa. Within 50 miles sit 51 smaller Census places, alongside the 62 that are larger.
Common questions
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Nearby places
- Le Roy, IA — population 12
- Humeston, IA — population 470
- Weldon, IA — population 138
- Leon, IA — population 1,817
- Derby, IA — population 89
- Woodburn, IA — population 141
- Van Wert, IA — population 179
- Decatur, IA — population 178