Personal loans in Lake City, IA

Compare APR, not the interest rate, because the APR folds in most fees on a Lake City loan. A lender that serves Lake City operates under Iowa lending statutes and a Iowa supervisor. The 2020 count to the 2023 estimate shows about 3.4% decline in Lake City. For a bigger market, look to Rockwell City, IA about 10 miles away.

Lake City: population, trend and location

Only a few things actually differ by place — population, area, location, and the Iowa rules a lender must follow — and they are below.

• Population: 1,670 people, a figure that places Lake City 191st among the 940 Census places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 3.4% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 58 residents.
• Size percentile: about 80% of Iowa communities are smaller than Lake City (1,670 residents).
• Density: roughly 346 residents per square mile, spread over 4.8 sq mi of land.
• Land area rank: Lake City's 4.8 square miles rank 86th of 940 places in Iowa.
• State population share: Lake City accounts for about 0.1% of everyone in Iowa.
• National standing: Lake City ranks 8,308th of 19,457 US places.
• Growth rank: Lake City ranks 865th among Iowa's 940 places for the 2020-to-2023 change.
• Versus Iowa: the state average change is -0.7%, while Lake City moved 3.4%.
• Density rank: Lake City places 704th among Iowa's places by people per square mile.
• Density in context: Lake City's 346 people per square mile sit against a Iowa median of 672.
• Location: the Census Gazetteer records it at 42.2677, -94.7311.
• Nearest larger cities: Rockwell City (10 mi); Carroll (15 mi); Sac City (17 mi); Jefferson (25 mi); Pocahontas (33 mi). Larger metros often have more branches, but online lenders reach Lake City on the same terms.
• Smaller communities close by: Lanesboro (6 mi); Yetter (7 mi); Auburn (8 mi), each with its own Census population profile.
• Smaller places within 50 miles: 115 of them.
• Larger places within 100 miles: 104.

Lake City in state context

Set beside Iowa's 940 places, Lake City ranks 191st by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, Lake City stands 865th among Iowa's 940 places — roughly the 8th percentile. Its roughly 346 residents per square mile place it 704th among Iowa's places. Between 2020 and 2023 the count changed by roughly 58 residents.

The Iowa lending rules that reach Lake City

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

The geography behind Lake City

Lake City's land area is roughly 4.8 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 346 residents per square mile. The largest place in Iowa, Des Moines, lies about 75 miles away. A 50-mile radius around Lake City takes in 16 places that are larger. Within the same 50 miles lie 115 smaller Census places.

What is available to Lake City borrowers

With about 346 residents per square mile, Lake City is lightly settled, and 16 larger Census places sit within 50 miles. A Iowa licence lets a lender serve Lake City without a local office, so branch density does not change what its 1,670 residents are offered. For a larger market, the closest option is Rockwell City, IA about 10 miles away.

What shapes a Lake City personal loan

Lake City is a small community of about 1,670 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Lake City's 1,670 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Lake City loan but raises total interest, so the smallest payment is not the cheapest loan.