Personal loans in Gray, IA

The roughly 61 people who live in Gray borrow under Iowa rules; city hall sets no personal-loan rate. Census figures show Gray holding steady across 2020 to 2023. For a community of about 61, the practical step is to compare APR across at least three lenders before committing. The closest larger place is Templeton, IA about 6 miles away.

Gray: population, trend and location

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

• Population: a Census-estimated 61, 882nd among Iowa's 940 places (Vintage 2023).
• Population trend: Stable from the 2020 base to 2023.
• Size percentile: roughly 6% of Iowa's places have fewer residents than Gray's 61.
• Density: roughly 61 residents per square mile, spread over 1.0 sq mi of land.
• Land area: Gray covers 1.0 square miles, the 412th-largest area among Iowa's 940 places.
• Share of Iowa: Gray holds about 0.0% of the state's population, some 61 people.
• Nationally: Gray is the 18,807th-largest of 19,457 Census places in the dataset.
• Growth in Iowa: Gray stands 273rd by percentage change from 2020 to 2023, among 940 places.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Gray's 0.0%.
• Density rank: Gray places 925th among Iowa's places by people per square mile.
• Density vs Iowa: Gray's 61 people per square mile compare with a state median of 672.
• Location: it lies at 41.8417, -94.9859 in the Census Gazetteer.
• Nearest larger cities: Templeton (6 mi); Manning (6 mi); Audubon (9 mi); Dedham (10 mi); Halbur (11 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller communities within reach: Aspinwall (9 mi); Kirkman (16 mi); Buck Grove (22 mi).
• Smaller places within 50 miles: 9 of them.
• Larger places within 100 miles: 477.

The Iowa lending rules that reach Gray

This table holds the Iowa rate and licensing rules for consumer loans made to Gray's 61 residents.

What to do before borrowing in Gray

Complete these steps first when you borrow in Gray (61 residents):

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Use the loan calculator to test the payment on your intended amount and term.
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. Borrow only what the purpose requires, not the maximum you are offered.
6. Be clear on what the loan is for and how it gets repaid.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

What differs between Gray and the rest of Iowa is not the process but the borrower's own file, among the 61 people here.

Lender access in Gray

With about 61 residents per square mile, Gray is sparsely settled, and 110 larger Census places sit within 50 miles. Whether Gray has a local branch or not, a Iowa-licensed lender can serve its 61 people online on the same terms. For a larger market, the closest option is Templeton, IA about 6 miles away.

Where Gray sits

Gray covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 61 residents per square mile. The largest place in Iowa, Des Moines, lies about 73 miles away. Gray has 110 larger places within a 50-mile radius. Within the same 50 miles lie 9 smaller Census places.

Gray against the rest of Iowa

Set beside Iowa's 940 places, Gray ranks 882nd by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Gray ranks 273rd of 940 in Iowa (about the 71th percentile). By density, at about 61 people per square mile, it ranks 925th in Iowa. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.