Personal loans in Palo, IA

At about 1,505 residents, Palo is larger than roughly 78% of the places in Iowa. Compare APR, not the interest rate, because the APR folds in most fees on a Palo loan. The trend for Palo between 2020 and 2023 is upward by roughly 6.7%. A larger market lies at Hiawatha, IA about 6 miles away.

Palo: population, trend and location

Here is the sourced Census picture for Palo, plus the Iowa lending rules that apply to a loan taken out here.

• Population: an estimated 1,505 residents, 207th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is positive, near 6.7%.
• Net change: roughly 94 more people than the 2020 Census counted.
• Size percentile: with 1,505 residents, Palo is larger than about 78% of Iowa's Census places.
• Population density: 1,257 people per square mile on 1.2 square miles of land.
• Land area: Palo covers 1.2 square miles, the 321st-largest area among Iowa's 940 places.
• State population share: Palo accounts for about 0.1% of everyone in Iowa.
• National rank: Palo is 8,673rd of 19,457 places nationwide.
• Growth rank: Palo's 2020-to-2023 change ranks 22nd of 940 places in Iowa.
• Against the state trend: Palo's 6.7% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: Palo places 143rd among Iowa's places by people per square mile.
• Density in context: Palo's 1,257 people per square mile sit against a Iowa median of 672.
• Location: latitude 42.0642, longitude -91.7993 (Census Gazetteer).
• Nearest larger cities: Hiawatha (6 mi); Atkins (6 mi); Robins (7 mi); Center Point (8 mi); Cedar Rapids (9 mi). Larger metros often have more branches, but online lenders reach Palo on the same terms.
• Smaller communities close by: Shellsburg (4 mi); Newhall (10 mi); Alburnett (11 mi), each with its own Census population profile.
• Smaller places within 50 miles: 94 of them.
• Larger places within 100 miles: 144.

How lenders reach Palo

At roughly 1,257 people per square mile, Palo is moderately settled; 44 larger places lie within 50 miles. What is available to Palo's 1,505 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Hiawatha, IA about 6 miles away.

Palo's place among Iowa's 940 places

Set beside Iowa's 940 places, Palo ranks 207th by population and holds about 0.1% of the state total. On the 2020-to-2023 trend, Palo stands 22nd among Iowa's 940 places — roughly the 98th percentile. By density, at about 1,257 people per square mile, it ranks 143rd in Iowa. Between 2020 and 2023 the count changed by roughly 94 residents.

Palo: area, density and distance

The Census Gazetteer records about 1.2 square miles of land within Palo, with no significant water area listed. The resulting density is about 1,257 people per square mile. Des Moines, the largest place in Iowa, is about 99 miles from Palo. Palo has 44 larger places within a 50-mile radius. The 100-mile radius contains 144 larger places.

A practical checklist for Palo borrowers

These steps shape the offer you get in Palo, a place of about 1,505 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. 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. Be clear on what the loan is for and how it gets repaid.
7. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.

What differs between Palo and the rest of Iowa is not the process but the borrower's own file, among the 1,505 people here.

Iowa rules behind a Palo personal loan

Iowa has no separate rate rule for Palo; the sourced rows below are what reach every lender that serves its 1,505 people.