Personal loans in Modale, IA

The next larger city is Mondamin, IA about 6 miles away. The trend for Modale between 2020 and 2023 is upward by roughly 1.8%. Rate ceilings, licensing requirements and product limits for Modale are all set at the Iowa level. Begin with the payment, then weigh APR and total interest across the lenders that reach Modale's 280 residents.

Where Modale stands

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

• Population: 280 — Modale ranks 575th of 940 communities in Iowa (US Census Bureau, Vintage 2023).
• Population trend: A rise of about 1.8% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 5 residents.
• Size percentile: with 280 residents, Modale is larger than about 39% of Iowa's Census places.
• Density: roughly 269 residents per square mile, spread over 1.0 sq mi of land.
• By land area: Modale ranks 373rd among Iowa's 940 places, at 1.0 sq mi.
• Share of Iowa: Modale holds about 0.0% of the state's population, some 280 people.
• National standing: Modale ranks 15,360th of 19,457 US places.
• Growth rank: Modale's 2020-to-2023 change ranks 92nd of 940 places in Iowa.
• Against the state trend: Modale's 1.8% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: Modale is the 765th most densely settled place in Iowa.
• Density vs Iowa: Modale's 269 people per square mile compare with a state median of 672.
• Location: 41.6182, -96.0121 (US Census Bureau Gazetteer).
• Nearest larger cities: Mondamin (6 mi); Missouri Valley (7 mi); Blair (8 mi); Fort Calhoun (11 mi); Logan (12 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller places close by: Magnolia (9 mi); Herman (11 mi); Little Sioux (13 mi).
• Within a 50-mile radius: 50 smaller Census places.
• Larger places within 100 miles: 269.

How lenders reach Modale

Modale is lightly settled, with about 269 people per square mile and 78 larger places within 50 miles. Distance to a branch rarely matters for Modale's 280 residents: the application is online and the price follows your credit file. The nearest bigger place is Mondamin, IA about 6 miles away.

The Iowa lending rules that reach Modale

For the roughly 280 residents of Modale, the rules below are Iowa's own; each row carries its publisher and retrieval date.

Modale on the map

Inside Modale's boundaries lie about 1.0 square miles of land, with no significant water area recorded. The resulting density is about 269 people per square mile. Des Moines, the largest place in Iowa, is about 124 miles from Modale. Counting outward 50 miles, 78 larger communities surround Modale. Within the same 50 miles lie 50 smaller Census places.

The anatomy of a Modale personal loan

Most loans made to Modale's 280 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Modale's rank of 575th 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 Modale loan but raises total interest, so the smallest payment is not the cheapest loan.

The Modale borrowing checklist

For Modale's roughly 280 residents, these are the steps that most influence the offer:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Make sure the lender appears in the Iowa regulator's licence list.
5. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Make sure the new payment leaves room in a budget you already keep.

What differs between Modale and the rest of Iowa is not the process but the borrower's own file, among the 280 people here.