Personal loans in Lone Rock, IA

Use the calculator on this page to price an amount and term before you commit in Lone Rock. Lone Rock shed about 2.7% of its population between the 2020 base and the 2023 estimate. Rate ceilings, licensing requirements and product limits for Lone Rock are all set at the Iowa level. A larger market lies at Fenton, IA about 5 miles away.

Where Lone Rock stands

Most of what governs a Lone Rock loan is written in Iowa law rather than in the city; the sourced notes below make that split concrete.

• Population: 143 residents; Lone Rock is the 744th-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: Roughly 2.7% fewer residents than the 2020 Census counted.
• Net change: roughly 4 fewer people than the 2020 Census counted.
• Size percentile: with 143 residents, Lone Rock is larger than about 21% of Iowa's Census places.
• Land and density: 0.1 square miles of land carry roughly 1,233 residents per square mile.
• Land area rank: Lone Rock's 0.1 square miles rank 913th of 940 places in Iowa.
• Share of state population: Lone Rock's 143 residents are about 0.0% of Iowa.
• National rank: Lone Rock sits 17,380th by population among the 19,457 places in this dataset.
• Growth rank: Lone Rock ranks 777th among Iowa's 940 places for the 2020-to-2023 change.
• Against the state trend: Lone Rock's 2.7% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: Lone Rock is the 154th most densely settled place in Iowa.
• Density in context: Lone Rock's 1,233 people per square mile sit against a Iowa median of 672.
• Location: 43.2209, -94.3253 (Census Gazetteer coordinates).
• Nearest larger cities: Fenton (5 mi); Burt (5 mi); Bancroft (7 mi); Ringsted (11 mi); Algona (11 mi). A branch is convenient; it is not what sets your APR.
• Smaller towns nearby: Cylinder (15 mi); Ledyard (16 mi); Rodman (17 mi).
• Smaller neighbours: 29 places smaller than Lone Rock sit within 50 miles.
• At 100 miles: 393 larger Census places fall inside that radius.

What Iowa law requires in Lone Rock

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

How a Lone Rock personal loan is priced

With roughly 143 residents, Lone Rock is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Lone Rock's rank of 744th 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 Lone Rock loan but raises total interest, so the smallest payment is not the cheapest loan.

Getting a loan in Lone Rock

Lone Rock is a moderately settled community of about 143 people, with 96 larger places inside a 50-mile radius. A Iowa licence lets a lender serve Lone Rock without a local office, so branch density does not change what its 143 residents are offered. For a larger market, the closest option is Fenton, IA about 5 miles away.

Before you apply in Lone Rock

Complete these steps first when you borrow in Lone Rock (143 residents):

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Model the payment on the calculator before a lender models it for you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the lender holds a Iowa licence by checking the regulator named above.
5. Pick the shortest term whose payment you can comfortably afford.
6. Keep the amount to the expense; an approval is not a reason to take more.
7. Be clear on what the loan is for and how it gets repaid.

The process is identical across Iowa; what changes is your credit file, not the fact that Lone Rock holds 143 people.

Lone Rock's place among Iowa's 940 places

Lone Rock is the 744th-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. For population change between 2020 and 2023, Lone Rock ranks 777th of 940 in Iowa (about the 17th percentile). By density, at about 1,233 people per square mile, it ranks 154th in Iowa. Between 2020 and 2023 the count changed by roughly 4 residents.