Personal loans in Oakland Acres, IA

Oakland Acres gained roughly 1.1% in population across the 2020-to-2023 comparison. Pull your credit reports and line up at least three offers before you apply from Oakland Acres. Rate ceilings, licensing requirements and product limits for Oakland Acres are all set at the Iowa level. The nearest larger city is Kellogg, IA about 5 miles away.

Oakland Acres by the numbers

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

• Population: an estimated 177 residents, 695th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: A gain of roughly 1.1% between 2020 and 2023.
• Net change: roughly 2 more people than the 2020 Census counted.
• Size percentile: Oakland Acres's 177 people outrank roughly 26% of the places in Iowa.
• Population density: about 621 people per square mile across 0.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Oakland Acres covers 0.3 square miles, the 803rd-largest area among Iowa's 940 places.
• Water: Oakland Acres holds about 0.02 square miles, the 128th-largest water area in Iowa.
• Share of Iowa: Oakland Acres holds about 0.0% of the state's population, some 177 people.
• National rank: Oakland Acres sits 16,835th by population among the 19,457 places in this dataset.
• Growth rank: Oakland Acres's 2020-to-2023 change ranks 131st of 940 places in Iowa.
• Versus Iowa: the state average change is -0.7%, while Oakland Acres moved 1.1%.
• Density rank: Oakland Acres is the 510th most densely settled place in Iowa.
• Against the state median: Oakland Acres runs about 621 residents per square mile, where the Iowa median is 672.
• Location: 41.7209, -92.8199 (Census Gazetteer coordinates).
• Nearest larger cities: Kellogg (5 mi); Grinnell (5 mi); Sully (10 mi); Lynnville (10 mi); Gilman (11 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities within reach: Searsboro (11 mi); Lambs Grove (13 mi); Reasnor (14 mi).
• Within a 50-mile radius: 37 smaller Census places.
• Within 100 miles: 393 places are larger than Oakland Acres.

Steps to take before a Oakland Acres loan

Before you apply in Oakland Acres, a community of about 177, work through these steps:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Test your amount and term in the personal loan calculator first.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Look the lender up in the Iowa regulator's licence records before you sign.
5. Borrow only what the purpose requires, not the maximum you are offered.
6. Decide the purpose and how you will repay it before approaching any lender.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

In Oakland Acres as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 177 residents.

What shapes a Oakland Acres personal loan

Oakland Acres is a small community of about 177 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Oakland Acres can be quoted different APRs on the same amount and term. Shortening the term on a Oakland Acres loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Oakland Acres sits

Oakland Acres's land area is about 0.3 square miles; a further 0.02 square miles is water. With 177 residents, the land area yields roughly 621 people per square mile. Des Moines, the largest place in Iowa, is about 42 miles from Oakland Acres. A 50-mile radius around Oakland Acres takes in 108 places that are larger. Within the same 50 miles lie 37 smaller Census places.

Lender access in Oakland Acres

At roughly 621 people per square mile, Oakland Acres is moderately settled; 108 larger places lie within 50 miles. Distance to a branch rarely matters for Oakland Acres's 177 residents: the application is online and the price follows your credit file. The nearest bigger place is Kellogg, IA about 5 miles away.

Which Iowa laws govern a loan in Oakland Acres

These are Iowa's sourced lending facts as they reach Oakland Acres's 177 residents; the state has no city-level rate rule.