Personal loans in Jamaica, IA

With an estimated 196 residents, Jamaica is the 670th-largest of 940 places in Iowa. A lender that serves Jamaica operates under Iowa lending statutes and a Iowa supervisor. The trend for Jamaica between 2020 and 2023 is upward by roughly 1.0%. The closest larger city is Yale, IA about 6 miles away.

Local context for Jamaica

Read the local figures below as context; read the sourced Iowa table as the rulebook a lender here must follow.

• Population: the Census counts 196 residents in Jamaica (Vintage 2023 subcounty estimate), the 670th-largest figure among Iowa's 940 places.
• Population trend: Roughly 1.0% more residents than the 2020 Census counted.
• People gained or lost: about 2 more since the 2020 base.
• Size percentile: with 196 residents, Jamaica is larger than about 29% of Iowa's Census places.
• Population density: 527 people per square mile on 0.4 square miles of land.
• Land area rank: Jamaica's 0.4 square miles rank 745th of 940 places in Iowa.
• Share of Iowa: Jamaica holds about 0.0% of the state's population, some 196 people.
• National rank: Jamaica sits 16,549th by population among the 19,457 places in this dataset.
• Growth rank: Jamaica ranks 148th among Iowa's 940 places for the 2020-to-2023 change.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Jamaica's 1.0%.
• Density rank: Jamaica places 586th among Iowa's places by people per square mile.
• Density in context: Jamaica's 527 people per square mile sit against a Iowa median of 672.
• Location: it lies at 41.8454, -94.3070 in the Census Gazetteer.
• Nearest larger cities: Yale (6 mi); Bagley (6 mi); Rippey (8 mi); Perry (11 mi); Panora (11 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller towns nearby: Dawson (4 mi); Berkley (12 mi); Bouton (15 mi).
• Smaller places within 50 miles: 34 of them.
• Larger places within 100 miles: 343.

Iowa rules behind a Jamaica personal loan

Below are the Iowa rules that apply to a loan made in Jamaica, each with the regulator that issued it.

Jamaica on the map

Jamaica covers about 0.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 527 people per square mile. The largest place in Iowa, Des Moines, lies about 41 miles away. Within 50 miles of Jamaica there are 110 larger Census places. By land area it ranks 745th of 940 Iowa places.

Inside a Jamaica personal loan

Most loans made to Jamaica's 196 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Jamaica loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Jamaica decides the split between a comfortable payment and the total interest you pay.

Before you apply in Jamaica

Complete these steps first when you borrow in Jamaica (196 residents):

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the lender holds a Iowa licence by checking the regulator named above.
5. Read the disclosure for an origination fee and any prepayment penalty before signing.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Weigh a shorter term's higher payment against the interest it saves.

In Jamaica as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 196 residents.

What is available to Jamaica borrowers

Jamaica is moderately settled, with about 527 people per square mile and 110 larger places within 50 miles. A Iowa licence lets a lender serve Jamaica without a local office, so branch density does not change what its 196 residents are offered. The nearest bigger place is Yale, IA about 6 miles away.