Personal loans in Graf, IA

The first question in Graf is not the rate on offer but whether the payment fits; about 75 people live here under Iowa lending law. Every figure below is Iowa's own, applied to Graf's 75 residents, with the publisher and retrieval date attached. Use the calculator on this page to price an amount and term before you commit in Graf. For a bigger market, look to Centralia, IA about 2 miles away.

Graf: population, trend and location

Here is the sourced Census picture for Graf, plus the Iowa lending rules that apply to a loan taken out here.

• Population: 75 — Graf ranks 858th of 940 communities in Iowa (US Census Bureau, Vintage 2023).
• Population trend: Roughly 1.4% more residents than the 2020 Census counted.
• People gained or lost: about 1 more since the 2020 base.
• Size percentile: Graf sits ahead of around 9% of Iowa places, at 75 people.
• Density: roughly 564 residents per square mile, spread over 0.1 sq mi of land.
• Land area: Graf covers 0.1 square miles, the 902nd-largest area among Iowa's 940 places.
• State population share: Graf accounts for about 0.0% of everyone in Iowa.
• National rank: Graf sits 18,559th by population among the 19,457 places in this dataset.
• Growth in Iowa: Graf stands 116th by percentage change from 2020 to 2023, among 940 places.
• Versus Iowa: the state average change is -0.7%, while Graf moved 1.4%.
• Density rank: Graf is the 550th most densely settled place in Iowa.
• Density in context: Graf's 564 people per square mile sit against a Iowa median of 672.
• Location: the Census Gazetteer records it at 42.4939, -90.8732.
• Nearest larger cities: Centralia (2 mi); Peosta (4 mi); Epworth (4 mi); Asbury (5 mi); Rickardsville (6 mi). Living near a larger metro rarely changes what is available in Graf.
• Smaller communities within reach: Bankston (5 mi); Durango (7 mi); Osterdock (22 mi).
• Smaller neighbours: 5 places smaller than Graf sit within 50 miles.
• Within 100 miles: 523 places are larger than Graf.

Graf in state context

Graf is the 858th-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. For population change between 2020 and 2023, Graf ranks 116th of 940 in Iowa (about the 88th percentile). At about 564 people per square mile, Graf is the 550th most densely settled place in Iowa. The population moved by about 1 people between 2020 and 2023, a 1.4% shift.

Inside a Graf personal loan

Most loans made to Graf's 75 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Graf's 75 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Graf loan is knowable in advance — unlike a revolving card balance.

The Graf borrowing checklist

Before you hand your details to a lender in Graf, where the population is near 75:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Test your amount and term in the personal loan calculator first.
3. Line up several pre-qualified offers and let the APR decide.
4. Make sure the lender appears in the Iowa regulator's licence list.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

In Graf as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 75 residents.

What Iowa law requires in Graf

Iowa has no separate rate rule for Graf; the sourced rows below are what reach every lender that serves its 75 people.

Graf on the map

Graf's land area is roughly 0.1 square miles, and the Gazetteer records no significant water area within it. With 75 residents, the land area yields roughly 564 people per square mile. The largest place in Iowa, Des Moines, lies about 154 miles away. Within 50 miles of Graf there are 137 larger Census places. Within the same 50 miles lie 5 smaller Census places.