Personal loans in Independence, IA

The closest larger city is Waterloo, IA about 23 miles away. Independence gained roughly 2.0% in population across the 2020-to-2023 comparison. Lenders active in Independence report to a Iowa supervisor, identified in the sourced rows below. If debt is already a strain, a nonprofit credit counsellor can help Independence residents before they take on more.

The Independence data picture

The figures below are Independence's own — Census population, land area and coordinates — followed by the Iowa rules.

• Population: 6,188 residents; Independence is the 66th-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: Higher by roughly 2.0% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a gain of about 124 residents.
• Size percentile: roughly 93% of Iowa's places have fewer residents than Independence's 6,188.
• Population density: about 1,027 people per square mile across 6.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Independence's 6.0 square miles rank 60th of 940 places in Iowa.
• Water area rank: Independence ranks 46th among Iowa's 940 places, with 0.14 sq mi.
• State population share: Independence accounts for about 0.2% of everyone in Iowa.
• Nationally: Independence is the 4,281st-largest of 19,457 Census places in the dataset.
• Growth rank: Independence's 2020-to-2023 change ranks 82nd of 940 places in Iowa.
• Against the state trend: Independence's 2.0% change compares with a Iowa average of -0.7% across its 940 places.
• Density in Iowa: Independence ranks 257th by people per square mile.
• Density vs Iowa: Independence's 1,027 people per square mile compare with a state median of 672.
• Location: 42.4622, -91.9032 (US Census Bureau Gazetteer).
• Nearest larger cities: Waterloo (23 mi); Cedar Falls (28 mi); Hiawatha (30 mi); Marion (33 mi); Waverly (34 mi). Online lenders reach Independence no matter how far the nearest branch is.
• Smaller communities close by: Rowley (7 mi); Jesup (8 mi); Winthrop (8 mi), each with its own Census population profile.
• Within a 50-mile radius: 141 smaller Census places.
• Within 100 miles: 35 places are larger than Independence.

Getting a loan in Independence

At roughly 1,027 people per square mile, Independence is moderately settled; 6 larger places lie within 50 miles. Lenders licensed in Iowa reach Independence's 6,188 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Waterloo, IA about 23 miles away.

How Independence compares across Iowa

Set beside Iowa's 940 places, Independence ranks 66th by population and holds about 0.2% of the state total. For population change between 2020 and 2023, Independence ranks 82nd of 940 in Iowa (about the 91th percentile). At about 1,027 people per square mile, Independence is the 257th most densely settled place in Iowa. Within 50 miles sit 141 smaller Census places, alongside the 6 that are larger.

Inside a Independence personal loan

Independence is a small town of about 6,188 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Independence. A longer term lowers the monthly payment on a Independence loan but raises total interest, so the smallest payment is not the cheapest loan.

How Iowa law applies in Independence

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

The geography behind Independence

Inside Independence's boundaries lie roughly 6.0 square miles of land and 0.14 square miles of water. With 6,188 residents, the land area yields roughly 1,027 people per square mile. Des Moines, the largest place in Iowa, is about 107 miles from Independence. Independence has 6 larger places within a 50-mile radius. Within the same 50 miles lie 141 smaller Census places.