Personal loans in Mallard, IA

The Census estimates 255 residents in Mallard, which ranks it 605th of 940 places in Iowa. A 2020-to-2023 comparison shows Mallard down by about 3.0%. Compare APR, not the interest rate, because the APR folds in most fees on a Mallard loan. The closest larger city is Laurens, IA about 10 miles away.

Mallard: 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: 255 — Mallard ranks 605th of 940 communities in Iowa (US Census Bureau, Vintage 2023).
• Population trend: A loss of roughly 3.0% between 2020 and 2023.
• Net change: roughly 8 fewer people than the 2020 Census counted.
• Size percentile: Mallard's 255 people outrank roughly 36% of the places in Iowa.
• Population density: about 651 people per square mile (Census land area 0.4 sq mi).
• Land area rank: Mallard's 0.4 square miles rank 726th of 940 places in Iowa.
• Within Iowa: about 0.0% of the state's population lives in Mallard.
• National rank: Mallard is the 15,695th most populous of the 19,457 Census places covered here.
• Growth rank: Mallard ranks 815th among Iowa's 940 places for the 2020-to-2023 change.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Mallard's 3.0%.
• Density in Iowa: Mallard ranks 494th by people per square mile.
• Against the state median: Mallard runs about 651 residents per square mile, where the Iowa median is 672.
• Location: 42.9394, -94.6834 (US Census Bureau Gazetteer).
• Nearest larger cities: Laurens (10 mi); Rolfe (12 mi); West Bend (12 mi); Emmetsburg (12 mi); Pocahontas (14 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Curlew (4 mi); Plover (5 mi); Havelock (7 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 50 of them.
• At 100 miles: 320 larger Census places fall inside that radius.

A practical checklist for Mallard borrowers

A sensible order of operations for a loan in Mallard, home to about 255 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Model the payment on the calculator before a lender models it for you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Make sure the lender appears in the Iowa regulator's licence list.
5. Pick the shortest term whose payment you can comfortably afford.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Decide the purpose and how you will repay it before approaching any lender.

None of these steps is Mallard-specific: the same Iowa licensing and disclosure rules reach all 255 residents.

What shapes a Mallard personal loan

A Mallard personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 255 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Mallard. Because the payment is fixed, the total cost of a Mallard loan is knowable in advance — unlike a revolving card balance.

Iowa rules behind a Mallard personal loan

Every row below records a Iowa rule, its publisher and its retrieval date — the same rules a Mallard lender must follow.

What is available to Mallard borrowers

At roughly 651 people per square mile, Mallard is moderately settled; 78 larger places lie within 50 miles. A Iowa licence lets a lender serve Mallard without a local office, so branch density does not change what its 255 residents are offered. The nearest bigger place is Laurens, IA about 10 miles away.

Where Mallard sits

The Census Gazetteer records about 0.4 square miles of land within Mallard, with no significant water area listed. With 255 residents, the land area yields roughly 651 people per square mile. The state's population centre of gravity, Des Moines, is roughly 109 miles away. A 50-mile radius around Mallard takes in 78 places that are larger. The 100-mile radius contains 320 larger places.