Personal loans in Oxford Junction, IA

Use the calculator on this page to price an amount and term before you commit in Oxford Junction. The 2020 count to the 2023 estimate shows about 0.7% decline in Oxford Junction. For the 424 people in Oxford Junction, Iowa runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The next larger city is Wyoming, IA about 6 miles away.

The Oxford Junction data picture

Set out below is Oxford Junction's local context next to the state-level rules that reach every lender here.

• Population: the Census counts 424 residents in Oxford Junction (Vintage 2023 subcounty estimate), the 476th-largest figure among Iowa's 940 places.
• Population trend: A loss of roughly 0.7% between 2020 and 2023.
• Net change: roughly 3 fewer people than the 2020 Census counted.
• Size percentile: Oxford Junction sits ahead of around 49% of Iowa places, at 424 people.
• Land and density: 0.6 square miles of land carry roughly 654 residents per square mile.
• Land area: Oxford Junction covers 0.6 square miles, the 550th-largest area among Iowa's 940 places.
• State population share: Oxford Junction accounts for about 0.0% of everyone in Iowa.
• National rank: Oxford Junction is the 13,843rd most populous of the 19,457 Census places covered here.
• Growth in Iowa: Oxford Junction stands 367th by percentage change from 2020 to 2023, among 940 places.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Oxford Junction's 0.7%.
• Density in Iowa: Oxford Junction ranks 488th by people per square mile.
• Density vs Iowa: Oxford Junction's 654 people per square mile compare with a state median of 672.
• Location: 41.9837, -90.9543 (Census Gazetteer coordinates).
• Nearest larger cities: Wyoming (6 mi); Clarence (9 mi); Lowden (9 mi); Olin (10 mi); Stanwood (12 mi). Lenders licensed in the state serve Oxford Junction whether or not they keep a local branch.
• Nearest smaller towns: Lost Nation (7 mi); Toronto (7 mi); Monmouth (7 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 57 of them.
• Within 100 miles: 343 places are larger than Oxford Junction.

What a Oxford Junction borrower is actually offered

A Oxford Junction personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 424 residents. Federal Truth in Lending rules require a Oxford Junction lender to disclose the APR and finance charge before you sign. Shortening the term on a Oxford Junction loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The state rulebook for Oxford Junction

Iowa has no separate rate rule for Oxford Junction; the sourced rows below are what reach every lender that serves its 424 people.

How lenders reach Oxford Junction

At roughly 654 people per square mile, Oxford Junction is moderately settled; 103 larger places lie within 50 miles. Distance to a branch rarely matters for Oxford Junction's 424 residents: the application is online and the price follows your credit file. The nearest larger city, Wyoming, IA about 6 miles away.

Oxford Junction's place among Iowa's 940 places

Against Iowa's other places, Oxford Junction accounts for about 0.0% of the state's population and ranks 476th of 940 by size. For population change between 2020 and 2023, Oxford Junction ranks 367th of 940 in Iowa (about the 61th percentile). By density, at about 654 people per square mile, it ranks 488th in Iowa. Between 2020 and 2023 the count changed by roughly 3 residents.

Land, water and location for Oxford Junction

Inside Oxford Junction's boundaries lie about 0.6 square miles of land, with no significant water area recorded. That land carries about 654 people per square mile. The largest place in Iowa, Des Moines, lies about 140 miles away. Counting outward 50 miles, 103 larger communities surround Oxford Junction. By land area it ranks 550th of 940 Iowa places.