Personal loans in Holland, IA

Which products a lender may offer to Holland's 266 residents follows from the Iowa consumer-lending framework. With 266 residents, Holland outranks about 37% of the communities in Iowa. Read the disclosure for an origination fee and any prepayment penalty before signing in Holland. A 2020-to-2023 comparison shows Holland down by about 1.1%. The next larger city is Grundy Center, IA about 3 miles away.

What the Census records for Holland

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

• Population: 266 residents; Holland is the 588th-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: Lower by roughly 1.1% since the 2020 count.
• Absolute change: 3 residents lost between 2020 and 2023.
• Size percentile: about 37% of Iowa's Census places are smaller than Holland.
• Population density: about 1,056 people per square mile across 0.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Holland ranks 827th among Iowa's 940 places, at 0.3 sq mi.
• Share of state population: Holland's 266 residents are about 0.0% of Iowa.
• National standing: Holland ranks 15,540th of 19,457 US places.
• Growth rank: Holland's 2020-to-2023 change ranks 443rd of 940 places in Iowa.
• Versus Iowa: the state average change is -0.7%, while Holland moved 1.1%.
• Density rank: Holland is the 236th most densely settled place in Iowa.
• Density vs Iowa: Holland's 1,056 people per square mile compare with a state median of 672.
• Location: it lies at 42.4001, -92.7988 in the Census Gazetteer.
• Nearest larger cities: Grundy Center (3 mi); Wellsburg (7 mi); Dike (10 mi); Reinbeck (12 mi); Parkersburg (12 mi). Living near a larger metro rarely changes what is available in Holland.
• Nearest smaller places: Morrison (8 mi); Stout (10 mi); Lincoln (11 mi).
• Smaller places within 50 miles: 44 of them.
• Within 100 miles: 358 places are larger than Holland.

Holland: area, density and distance

Inside Holland's boundaries lie about 0.3 square miles of land, with no significant water area recorded. The resulting density is about 1,056 people per square mile. The largest place in Iowa, Des Moines, lies about 71 miles away. Holland has 89 larger places within a 50-mile radius. The 100-mile radius contains 358 larger places.

Where Holland sits in Iowa

Holland is the 588th-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Holland stands 443rd among Iowa's 940 places — roughly the 53th percentile. Its roughly 1,056 residents per square mile place it 236th among Iowa's places. Within 50 miles sit 44 smaller Census places, alongside the 89 that are larger.

The anatomy of a Holland personal loan

Most loans made to Holland's 266 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Holland's rank of 588th in Iowa: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Holland loan but raises total interest, so the smallest payment is not the cheapest loan.

Steps to take before a Holland loan

For Holland's roughly 266 residents, these are the steps that most influence the offer:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Model the payment on the calculator before a lender models it for you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Confirm the lender holds a Iowa licence by checking the regulator named above.
5. Be clear on what the loan is for and how it gets repaid.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

None of these steps is Holland-specific: the same Iowa licensing and disclosure rules reach all 266 residents.

Iowa rules behind a Holland personal loan

For the roughly 266 residents of Holland, the rules below are Iowa's own; each row carries its publisher and retrieval date.