Personal loans in Oakville, IA

A larger market lies at New Boston, IL about 5 miles away. From the 2020 Census base to the 2023 estimate, the population declined by about 3.5%. When Iowa caps or restricts a product, lenders either change the terms or withdraw it from Oakville as from the rest of the state. Rate-shopping from Oakville costs nothing at pre-qualification, where a soft pull leaves your credit file alone.

Where Oakville stands

The figures below are Oakville's own — Census population, land area and coordinates — followed by the Iowa rules.

• Population: a Census-estimated 192, 675th among Iowa's 940 places (Vintage 2023).
• Population trend: A drop of about 3.5% from 2020 to 2023.
• Absolute change: 7 residents lost between 2020 and 2023.
• Size percentile: roughly 28% of Iowa places rank below Oakville.
• Density: the Census land area of 0.4 sq mi holds about 460 people per square mile.
• Land area: Oakville covers 0.4 square miles, the 711th-largest area among Iowa's 940 places.
• Share of state population: Oakville's 192 residents are about 0.0% of Iowa.
• Nationally: Oakville is the 16,607th-largest of 19,457 Census places in the dataset.
• Growth rank: Oakville's 2020-to-2023 change ranks 879th of 940 places in Iowa.
• Versus Iowa: the state average change is -0.7%, while Oakville moved 3.5%.
• Density in Iowa: Oakville ranks 630th by people per square mile.
• Against the state median: Oakville runs about 460 residents per square mile, where the Iowa median is 672.
• Location: 41.0980, -91.0438 (Census Gazetteer coordinates).
• Nearest larger cities: New Boston (5 mi); Keithsburg (6 mi); Mediapolis (9 mi); Wapello (9 mi); Morning Sun (11 mi). Online lenders reach Oakville no matter how far the nearest branch is.
• Nearest smaller places: Gulfport (20 mi); Media (25 mi); Cotter (26 mi).
• Within a 50-mile radius: 27 smaller Census places.
• Larger places within 100 miles: 433.

The geography behind Oakville

Oakville covers about 0.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 460 people per square mile. The largest place in Iowa, Des Moines, lies about 137 miles away. Counting outward 50 miles, 120 larger communities surround Oakville. By land area it ranks 711th of 940 Iowa places.

How lenders reach Oakville

With about 460 residents per square mile, Oakville is lightly settled, and 120 larger Census places sit within 50 miles. Lenders licensed in Iowa reach Oakville's 192 residents online, so the nearest branch is not what sets your APR. The nearest larger city, New Boston, IL about 5 miles away.

What Iowa law requires in Oakville

This table holds the Iowa rate and licensing rules for consumer loans made to Oakville's 192 residents.

The anatomy of a Oakville personal loan

In Oakville, a small community of about 192, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Oakville's 192 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Oakville loan but raises total interest, so the smallest payment is not the cheapest loan.

The Oakville borrowing checklist

Before you hand your details to a lender in Oakville, where the population is near 192:

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. 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. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Look for an origination fee or prepayment penalty in the written disclosure.

None of these steps is Oakville-specific: the same Iowa licensing and disclosure rules reach all 192 residents.