Personal loans in Ottosen, IA

Read the disclosure for an origination fee and any prepayment penalty before signing in Ottosen. The 2020-to-2023 change in Ottosen is negligible, under a tenth of a percent. Rate ceilings, licensing requirements and product limits for Ottosen are all set at the Iowa level. The closest larger place is Bode, IA about 5 miles away.

Ottosen: population, trend and location

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

• Population: about 41, ranked 908th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: Roughly level with the 2020 Census base.
• Size percentile: about 3% of Iowa's Census places are smaller than Ottosen.
• Land and density: 0.5 square miles of land carry roughly 84 residents per square mile.
• Land area: Ottosen covers 0.5 square miles, the 670th-largest area among Iowa's 940 places.
• Within Iowa: about 0.0% of the state's population lives in Ottosen.
• National standing: Ottosen ranks 19,096th of 19,457 US places.
• Growth rank: Ottosen ranks 280th among Iowa's 940 places for the 2020-to-2023 change.
• Versus Iowa: the state average change is -0.7%, while Ottosen moved 0.0%.
• Density rank: Ottosen places 917th among Iowa's places by people per square mile.
• Against the state median: Ottosen runs about 84 residents per square mile, where the Iowa median is 672.
• Location: coordinates 42.8977, -94.3760 (US Census Bureau Gazetteer).
• Nearest larger cities: Bode (5 mi); West Bend (6 mi); Bradgate (7 mi); Rolfe (10 mi); Livermore (10 mi). A branch is convenient; it is not what sets your APR.
• Smaller places nearby: Rodman (12 mi); Curlew (19 mi); Jolley (34 mi).
• Within a 50-mile radius: 7 smaller Census places.
• Within 100 miles: 501 places are larger than Ottosen.

Before you apply in Ottosen

Before you apply in Ottosen, a community of about 41, work through these steps:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Make sure the lender appears in the Iowa regulator's licence list.
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. Check the disclosure for fees that raise the true cost above the quoted rate.

The process is identical across Iowa; what changes is your credit file, not the fact that Ottosen holds 41 people.

The anatomy of a Ottosen personal loan

Ottosen is a small community of about 41 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Ottosen's 41 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Ottosen decides the split between a comfortable payment and the total interest you pay.

Ottosen on the map

The Census Gazetteer records about 0.5 square miles of land within Ottosen, with no significant water area listed. With 41 residents, the land area yields roughly 84 people per square mile. The state's population centre of gravity, Des Moines, is roughly 100 miles away. A 50-mile radius around Ottosen takes in 119 places that are larger. Within the same 50 miles lie 7 smaller Census places.

Ottosen in state context

Ottosen is the 908th-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Ottosen stands 280th among Iowa's 940 places — roughly the 70th percentile. By density, at about 84 people per square mile, it ranks 917th in Iowa. By land area, its 0.5 square miles rank 670th of 940 places in Iowa.

Iowa consumer-lending rules applied in Ottosen

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