Personal loans in Gilbert, IA

Gilbert ranks 227th of 940 places in Iowa, with a population near 1,331. The next larger city is Ames, IA about 6 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Gilbert's 1,331 residents. Begin with the payment, then weigh APR and total interest across the lenders that reach Gilbert's 1,331 residents.

What the Census records for Gilbert

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

• Population: 1,331 people, a figure that places Gilbert 227th among the 940 Census places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: Up about 10.1% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 122 more since the 2020 base.
• Size percentile: Gilbert sits ahead of around 76% of Iowa places, at 1,331 people.
• Density: the Census land area of 1.1 sq mi holds about 1,209 people per square mile.
• Land area: Gilbert covers 1.1 square miles, the 342nd-largest area among Iowa's 940 places.
• Share of state population: Gilbert's 1,331 residents are about 0.1% of Iowa.
• Nationally: Gilbert is the 9,171st-largest of 19,457 Census places in the dataset.
• Growth rank: Gilbert's 2020-to-2023 change ranks 14th of 940 places in Iowa.
• Against the state trend: Gilbert's 10.1% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: Gilbert is the 160th most densely settled place in Iowa.
• Density in context: Gilbert's 1,209 people per square mile sit against a Iowa median of 672.
• Location: 42.1062, -93.6461 (US Census Bureau Gazetteer).
• Nearest larger cities: Ames (6 mi); Story City (6 mi); Roland (8 mi); Nevada (11 mi); Boone (12 mi). Online lenders reach Gilbert no matter how far the nearest branch is.
• Smaller communities within reach: Randall (9 mi); Kelley (11 mi); Luther (13 mi).
• Within a 50-mile radius: 106 smaller Census places.
• Within 100 miles: 127 places are larger than Gilbert.

A practical checklist for Gilbert borrowers

A sensible order of operations for a loan in Gilbert, home to about 1,331 people:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Price the payment first with our personal loan calculator before any lender quotes you.
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. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Test the payment against your current bills before you commit.

None of these steps is Gilbert-specific: the same Iowa licensing and disclosure rules reach all 1,331 residents.

Gilbert: area, density and distance

Gilbert's land area is roughly 1.1 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 1,209 people per square mile. The state's population centre of gravity, Des Moines, is roughly 37 miles away. Within 50 miles of Gilbert there are 48 larger Census places. Within the same 50 miles lie 106 smaller Census places.

Gilbert's place among Iowa's 940 places

Against Iowa's other places, Gilbert accounts for about 0.1% of the state's population and ranks 227th of 940 by size. For population change between 2020 and 2023, Gilbert ranks 14th of 940 in Iowa (about the 99th percentile). At about 1,209 people per square mile, Gilbert is the 160th most densely settled place in Iowa. The population moved by about 122 people between 2020 and 2023, a 10.1% shift.

What is available to Gilbert borrowers

Gilbert is a moderately settled community of about 1,331 people, with 48 larger places inside a 50-mile radius. What is available to Gilbert's 1,331 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest larger city, Ames, IA about 6 miles away.

Iowa consumer-lending rules applied in Gilbert

When Iowa does not publish a figure, the row links to the source instead of inventing a number; Gilbert is bound by the same rules.