Personal loans in Humeston, IA

About 470 people live in Humeston, placing it 454th of 940 Census places in Iowa. Pull your credit reports and line up at least three offers before you apply from Humeston. Lenders active in Humeston report to a Iowa supervisor, identified in the sourced rows below. The nearest larger city is Corydon, IA about 12 miles away.

Humeston by the numbers

Humeston is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: an estimated 470 residents, 454th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is positive, near 1.1%.
• Net change: roughly 5 more people than the 2020 Census counted.
• Size percentile: roughly 52% of Iowa's places have fewer residents than Humeston's 470.
• Land and density: 0.6 square miles of land carry roughly 753 residents per square mile.
• Land area: Humeston covers 0.6 square miles, the 560th-largest area among Iowa's 940 places.
• Water area: Humeston has 0.01 square miles of water, ranking 158th of 940 places in Iowa.
• State population share: Humeston accounts for about 0.0% of everyone in Iowa.
• National rank: Humeston is 13,416th of 19,457 places nationwide.
• Growth in Iowa: Humeston stands 141st by percentage change from 2020 to 2023, among 940 places.
• Versus Iowa: the state average change is -0.7%, while Humeston moved 1.1%.
• Density in Iowa: Humeston ranks 419th by people per square mile.
• Density vs Iowa: Humeston's 753 people per square mile compare with a state median of 672.
• Location: 40.8607, -93.4973 (Census Gazetteer coordinates).
• Nearest larger cities: Corydon (12 mi); Chariton (15 mi); Leon (16 mi); Russell (18 mi); Osceola (19 mi). A branch is convenient; it is not what sets your APR.
• Smaller communities within reach: Le Roy (5 mi); Derby (5 mi); Garden Grove (6 mi).
• Smaller neighbours: 74 places smaller than Humeston sit within 50 miles.
• At 100 miles: 177 larger Census places fall inside that radius.

Humeston against the rest of Iowa

Set beside Iowa's 940 places, Humeston ranks 454th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Humeston stands 141st among Iowa's 940 places — roughly the 85th percentile. Its roughly 753 residents per square mile place it 419th among Iowa's places. By land area, its 0.6 square miles rank 560th of 940 places in Iowa.

How lenders reach Humeston

With about 753 residents per square mile, Humeston is moderately settled, and 38 larger Census places sit within 50 miles. Distance to a branch rarely matters for Humeston's 470 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Corydon, IA about 12 miles away.

How personal loans work in Humeston

Most loans made to Humeston's 470 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Humeston's rank of 454th 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 Humeston loan but raises total interest, so the smallest payment is not the cheapest loan.

Which Iowa laws govern a loan in Humeston

This table holds the Iowa rate and licensing rules for consumer loans made to Humeston's 470 residents.

A pre-application checklist for Humeston

Complete these steps first when you borrow in Humeston (470 residents):

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Line up several pre-qualified offers and let the APR decide.
4. Verify the lender's Iowa licence with the regulator listed on this page.
5. Pick the shortest term whose payment you can comfortably afford.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Write down the purpose of the loan and your repayment plan before you apply.

In Humeston as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 470 residents.