Personal loans in Lincoln, IA

With roughly 119 residents, Lincoln is a small community, and the lending rules its borrowers live under are written in Iowa, not by the city. Pull your credit reports and line up at least three offers before you apply from Lincoln. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Lincoln's 119 residents. The closest larger city is Gladbrook, IA about 5 miles away.

Lincoln: the sourced local profile

Here is the sourced Census picture for Lincoln, plus the Iowa lending rules that apply to a loan taken out here.

• Population: 119 people, a figure that places Lincoln 786th among the 940 Census places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: About 2.5% below the 2020 Census base.
• Change in people: the 2020-to-2023 comparison is a loss of about 3 residents.
• Size percentile: about 16% of Iowa communities are smaller than Lincoln (119 residents).
• Land and density: 0.6 square miles of land carry roughly 212 residents per square mile.
• Land area: Lincoln covers 0.6 square miles, the 611th-largest area among Iowa's 940 places.
• State population share: Lincoln accounts for about 0.0% of everyone in Iowa.
• National standing: Lincoln ranks 17,796th of 19,457 US places.
• Growth in Iowa: Lincoln stands 730th by percentage change from 2020 to 2023, among 940 places.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Lincoln's 2.5%.
• Density rank: Lincoln is the 807th most densely settled place in Iowa.
• Against the state median: Lincoln runs about 212 residents per square mile, where the Iowa median is 672.
• Location: mapped by the US Census Bureau at 42.2627, -92.6923.
• Nearest larger cities: Gladbrook (5 mi); Reinbeck (6 mi); Beaman (7 mi); Grundy Center (8 mi); Conrad (10 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller towns nearby: Morrison (6 mi); Whitten (16 mi); Ferguson (24 mi).
• Smaller neighbours: 15 places smaller than Lincoln sit within 50 miles.
• Within 100 miles: 468 places are larger than Lincoln.

Where Lincoln sits in Iowa

Set beside Iowa's 940 places, Lincoln ranks 786th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Lincoln stands 730th among Iowa's 940 places — roughly the 22th percentile. At about 212 people per square mile, Lincoln is the 807th most densely settled place in Iowa. The population moved by about 3 people between 2020 and 2023, a 2.5% shift.

The anatomy of a Lincoln personal loan

Most loans made to Lincoln's 119 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Lincoln's rank of 786th in Iowa: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Lincoln decides the split between a comfortable payment and the total interest you pay.

Iowa consumer-lending rules applied in Lincoln

This table holds the Iowa rate and licensing rules for consumer loans made to Lincoln's 119 residents.

Land, water and location for Lincoln

Inside Lincoln's boundaries lie about 0.6 square miles of land, with no significant water area recorded. That land carries about 212 people per square mile. The state's population centre of gravity, Des Moines, is roughly 67 miles away. Within 50 miles of Lincoln there are 125 larger Census places. Within the same 50 miles lie 15 smaller Census places.

Borrowing reach in Lincoln

Lincoln is lightly settled, with about 212 people per square mile and 125 larger places within 50 miles. A Iowa licence lets a lender serve Lincoln without a local office, so branch density does not change what its 119 residents are offered. The nearest larger city, Gladbrook, IA about 5 miles away.