Personal loans in McClelland, IA

Two households in McClelland with comparable incomes can still be offered different rates; the city's 145 residents are not the reason. Every figure below is Iowa's own, applied to McClelland's 145 residents, with the publisher and retrieval date attached. Use the calculator on this page to price an amount and term before you commit in McClelland. The nearest larger metro is Underwood, IA about 3 miles away.

McClelland: population, trend and location

McClelland is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: 145 — McClelland ranks 740th of 940 communities in Iowa (US Census Bureau, Vintage 2023).
• Population trend: About 1.4% below the 2020 Census base.
• Absolute change: 2 residents lost between 2020 and 2023.
• Size percentile: McClelland sits ahead of around 21% of Iowa places, at 145 people.
• Population density: about 531 people per square mile across 0.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: McClelland ranks 808th among Iowa's 940 places, at 0.3 sq mi.
• Share of state population: McClelland's 145 residents are about 0.0% of Iowa.
• National rank: McClelland sits 17,355th by population among the 19,457 places in this dataset.
• Growth rank: McClelland ranks 501st among Iowa's 940 places for the 2020-to-2023 change.
• Against the state trend: McClelland's 1.4% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: McClelland places 581st among Iowa's places by people per square mile.
• Against the state median: McClelland runs about 531 residents per square mile, where the Iowa median is 672.
• Location: 41.3316 / -95.6814, per the US Census Bureau Gazetteer.
• Nearest larger cities: Underwood (3 mi); Treynor (8 mi); Neola (9 mi); Crescent (9 mi); Council Bluffs (11 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Henderson (19 mi); Tennant (22 mi); Pacific Junction (23 mi).
• Smaller places within 50 miles: 25 of them.
• At 100 miles: 359 larger Census places fall inside that radius.

Borrowing reach in McClelland

McClelland is moderately settled, with about 531 people per square mile and 106 larger places within 50 miles. Whether McClelland has a local branch or not, a Iowa-licensed lender can serve its 145 people online on the same terms. The nearest larger city, Underwood, IA about 3 miles away.

A practical checklist for McClelland borrowers

A sensible order of operations for a loan in McClelland, home to about 145 people:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Confirm the Iowa licence with the regulator named above before committing.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Look for an origination fee or prepayment penalty in the written disclosure.

None of these steps is McClelland-specific: the same Iowa licensing and disclosure rules reach all 145 residents.

How Iowa law applies in McClelland

Read the table as a lender's compliance picture for McClelland: the rule, the sourced figure, the publisher and the date.

Where McClelland sits

Inside McClelland's boundaries lie about 0.3 square miles of land, with no significant water area recorded. The resulting density is about 531 people per square mile. The largest place in Iowa, Des Moines, lies about 109 miles away. Within 50 miles of McClelland there are 106 larger Census places. The 100-mile radius contains 359 larger places.

How personal loans work in McClelland

In McClelland, a small community of about 145, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in McClelland can be quoted different APRs on the same amount and term. The term you choose in McClelland decides the split between a comfortable payment and the total interest you pay.