Personal loans in Otho, IA

At about 411 residents, Otho is larger than roughly 49% of the places in Iowa. Borrowers who want a bigger city can look to Fort Dodge, IA about 6 miles away. State law, not city hall, decides what a lender may do to Otho's roughly 411 residents, and a state regulator supervises it. Verify the lender's Iowa licence against the regulator named below before borrowing in Otho.

Otho: the sourced local profile

Read the local figures below as context; read the sourced Iowa table as the rulebook a lender here must follow.

• Population: 411 — Otho ranks 482nd of 940 communities in Iowa (US Census Bureau, Vintage 2023).
• Population trend: Roughly 3.3% fewer residents than the 2020 Census counted.
• Change in people: the 2020-to-2023 comparison is a loss of about 14 residents.
• Size percentile: about 49% of Iowa's Census places are smaller than Otho.
• Population density: about 928 people per square mile (Census land area 0.4 sq mi).
• Land area: Otho covers 0.4 square miles, the 691st-largest area among Iowa's 940 places.
• State share: roughly 0.0% of Iowa's residents live in Otho (411 people).
• National rank: Otho sits 13,992nd by population among the 19,457 places in this dataset.
• Growth rank: Otho's 2020-to-2023 change ranks 854th of 940 places in Iowa.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Otho's 3.3%.
• Density rank: Otho is the 307th most densely settled place in Iowa.
• Density vs Iowa: Otho's 928 people per square mile compare with a state median of 672.
• Location: mapped by the US Census Bureau at 42.4222, -94.1494.
• Nearest larger cities: Fort Dodge (6 mi); Dayton (12 mi); Gowrie (12 mi); Badger (13 mi); Stratford (15 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller places: Lehigh (7 mi); Moorland (8 mi); Duncombe (8 mi).
• Smaller places within 50 miles: 76 of them.
• Within 100 miles: 261 places are larger than Otho.

The state rulebook for Otho

Iowa has no separate rate rule for Otho; the sourced rows below are what reach every lender that serves its 411 people.

Otho in state context

Within Iowa, Otho holds roughly 0.0% of all residents, the 482nd-largest share among 940 places. For population change between 2020 and 2023, Otho ranks 854th of 940 in Iowa (about the 9th percentile). Its roughly 928 residents per square mile place it 307th among Iowa's places. The population moved by about 14 people between 2020 and 2023, a 3.3% shift.

Land, water and location for Otho

Otho's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 928 residents per square mile. The largest place in Iowa, Des Moines, lies about 65 miles away. Within 50 miles of Otho there are 63 larger Census places. Within the same 50 miles lie 76 smaller Census places.

Lender access in Otho

Otho is moderately settled, with about 928 people per square mile and 63 larger places within 50 miles. A Iowa licence lets a lender serve Otho without a local office, so branch density does not change what its 411 residents are offered. The nearest larger city, Fort Dodge, IA about 6 miles away.

A practical checklist for Otho borrowers

These steps shape the offer you get in Otho, a place of about 411 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Test your amount and term in the personal loan calculator first.
3. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the lender holds a Iowa licence by checking the regulator named above.
5. Make sure the new payment leaves room in a budget you already keep.
6. Pick the shortest term whose payment you can comfortably afford.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

What differs between Otho and the rest of Iowa is not the process but the borrower's own file, among the 411 people here.