Personal loans in Geneva, IA

What the Census records for Geneva

What follows is Geneva's place in the Census record, alongside the Iowa rules that govern a personal loan made here.

• Population: an estimated 135 residents, 763rd of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: A loss of roughly 0.7% between 2020 and 2023.
• Absolute change: 1 residents lost between 2020 and 2023.
• Size percentile: about 19% of Iowa communities are smaller than Geneva (135 residents).
• Population density: 330 people per square mile on 0.4 square miles of land.
• Land area: Geneva covers 0.4 square miles, the 714th-largest area among Iowa's 940 places.
• Share of Iowa: Geneva holds about 0.0% of the state's population, some 135 people.
• National standing: Geneva ranks 17,514th of 19,457 US places.
• Growth in Iowa: Geneva stands 375th by percentage change from 2020 to 2023, among 940 places.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Geneva's 0.7%.
• Density rank: Geneva places 711th among Iowa's places by people per square mile.
• Density vs Iowa: Geneva's 330 people per square mile compare with a state median of 672.
• Location: mapped by the US Census Bureau at 42.6748, -93.1298.
• Nearest larger cities: Hampton (6 mi); Ackley (9 mi); Dumont (10 mi); Iowa Falls (13 mi); Coulter (13 mi). Lenders licensed in the state serve Geneva whether or not they keep a local branch.
• Smaller places nearby: Hansell (6 mi); Aredale (13 mi); Popejoy (16 mi).
• Within a 50-mile radius: 20 smaller Census places.
• Larger places within 100 miles: 445.

Geneva's place among Iowa's 940 places

Set beside Iowa's 940 places, Geneva ranks 763rd by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Geneva stands 375th among Iowa's 940 places — roughly the 60th percentile. At about 330 people per square mile, Geneva is the 711th most densely settled place in Iowa. In land area, Geneva ranks 714th among Iowa's 940 places.

Where Geneva sits

Geneva's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 330 people per square mile. The state's population centre of gravity, Des Moines, is roughly 80 miles away. Geneva has 111 larger places within a 50-mile radius. The 100-mile radius contains 445 larger places.

Iowa consumer-lending rules applied in Geneva

This table holds the Iowa rate and licensing rules for consumer loans made to Geneva's 135 residents.

Before you apply in Geneva

Before you hand your details to a lender in Geneva, where the population is near 135:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Test your amount and term in the personal loan calculator first.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the lender holds a Iowa licence by checking the regulator named above.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Make sure the new payment leaves room in a budget you already keep.

In Geneva as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 135 residents.

Inside a Geneva personal loan

A Geneva personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 135 residents. Two numbers drive a Geneva loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Geneva loan is knowable in advance — unlike a revolving card balance.