Personal loans in Lucas, IA

Lucas is a small community in Iowa, with an estimated 174 residents, and every licensed lender here follows the same state rulebook. If debt is already a strain, a nonprofit credit counsellor can help Lucas residents before they take on more. State law, not city hall, decides what a lender may do to Lucas's roughly 174 residents, and a state regulator supervises it. A larger market lies at Chariton, IA about 8 miles away.

Lucas: population, trend and location

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

• Population: a Census-estimated 174, 702nd among Iowa's 940 places (Vintage 2023).
• Population trend: A rise of about 0.6% from 2020 to 2023.
• Net change: roughly 1 more people than the 2020 Census counted.
• Size percentile: Lucas's 174 people outrank roughly 25% of the places in Iowa.
• Land and density: 1.0 square miles of land carry roughly 177 residents per square mile.
• By land area: Lucas ranks 423rd among Iowa's 940 places, at 1.0 sq mi.
• Share of Iowa: Lucas holds about 0.0% of the state's population, some 174 people.
• National rank: Lucas is 16,887th of 19,457 places nationwide.
• Growth in Iowa: Lucas stands 183rd by percentage change from 2020 to 2023, among 940 places.
• Against the state trend: Lucas's 0.6% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: Lucas places 840th among Iowa's places by people per square mile.
• Against the state median: Lucas runs about 177 residents per square mile, where the Iowa median is 672.
• Location: latitude 41.0324, longitude -93.4616 (Census Gazetteer).
• Nearest larger cities: Chariton (8 mi); Lacona (12 mi); Humeston (12 mi); Russell (14 mi); Osceola (17 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller places: Derby (7 mi); Woodburn (7 mi); Williamson (11 mi).
• Within a 50-mile radius: 40 smaller Census places.
• Larger places within 100 miles: 308.

How lenders reach Lucas

Lucas is lightly settled, with about 177 people per square mile and 80 larger places within 50 miles. Distance to a branch rarely matters for Lucas's 174 residents: the application is online and the price follows your credit file. The nearest larger city, Chariton, IA about 8 miles away.

A pre-application checklist for Lucas

Complete these steps first when you borrow in Lucas (174 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. Collect three or more offers and compare them on APR, not on the advertised 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. Test the payment against your current bills before you commit.
7. Pick the shortest term whose payment you can comfortably afford.

The process is identical across Iowa; what changes is your credit file, not the fact that Lucas holds 174 people.

The geography behind Lucas

Lucas's land area is roughly 1.0 square miles, and the Gazetteer records no significant water area within it. With 174 residents, the land area yields roughly 177 people per square mile. The largest place in Iowa, Des Moines, lies about 38 miles away. A 50-mile radius around Lucas takes in 80 places that are larger. By land area it ranks 423rd of 940 Iowa places.

How Iowa law applies in Lucas

These are Iowa's sourced lending facts as they reach Lucas's 174 residents; the state has no city-level rate rule.

Lucas against the rest of Iowa

Lucas is the 702nd-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. For population change between 2020 and 2023, Lucas ranks 183rd of 940 in Iowa (about the 81th percentile). By density, at about 177 people per square mile, it ranks 840th in Iowa. By land area, its 1.0 square miles rank 423rd of 940 places in Iowa.