Personal loans in Prescott, IA

Prescott by the numbers

What follows is Prescott's place in the Census record, alongside the Iowa rules that govern a personal loan made here.

• Population: about 183, ranked 683rd of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: Down about 3.7% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 7 fewer since the 2020 base.
• Size percentile: about 27% of Iowa's Census places are smaller than Prescott.
• Density: roughly 423 residents per square mile, spread over 0.4 sq mi of land.
• Land area rank: Prescott's 0.4 square miles rank 704th of 940 places in Iowa.
• State population share: Prescott accounts for about 0.0% of everyone in Iowa.
• National standing: Prescott ranks 16,740th of 19,457 US places.
• Growth rank: Prescott's 2020-to-2023 change ranks 890th of 940 places in Iowa.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Prescott's 3.7%.
• Density in Iowa: Prescott ranks 649th by people per square mile.
• Density in context: Prescott's 423 people per square mile sit against a Iowa median of 672.
• Location: 41.0236, -94.6128 (Census Gazetteer coordinates).
• Nearest larger cities: Corning (7 mi); Lenox (10 mi); Creston (13 mi); Orient (16 mi); Clearfield (17 mi). Online lenders reach Prescott no matter how far the nearest branch is.
• Smaller towns nearby: Cromwell (8 mi); Carbon (11 mi); Sharpsburg (15 mi).
• Within a 50-mile radius: 51 smaller Census places.
• Larger places within 100 miles: 316.

The anatomy of a Prescott personal loan

Prescott is a small community of about 183 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Prescott. The term you choose in Prescott decides the split between a comfortable payment and the total interest you pay.

The Prescott borrowing checklist

For Prescott's roughly 183 residents, these are the steps that most influence the offer:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Make sure the lender appears in the Iowa regulator's licence list.
5. Be clear on what the loan is for and how it gets repaid.
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.

What differs between Prescott and the rest of Iowa is not the process but the borrower's own file, among the 183 people here.

Iowa rules behind a Prescott personal loan

Iowa has no separate rate rule for Prescott; the sourced rows below are what reach every lender that serves its 183 people.

Prescott's place among Iowa's 940 places

Within Iowa, Prescott holds roughly 0.0% of all residents, the 683rd-largest share among 940 places. For population change between 2020 and 2023, Prescott ranks 890th of 940 in Iowa (about the 5th percentile). Its roughly 423 residents per square mile place it 649th among Iowa's places. By land area, its 0.4 square miles rank 704th of 940 places in Iowa.

Where Prescott sits

Inside Prescott's boundaries lie about 0.4 square miles of land, with no significant water area recorded. That land carries about 423 people per square mile. The state's population centre of gravity, Des Moines, is roughly 64 miles away. A 50-mile radius around Prescott takes in 64 places that are larger. Within the same 50 miles lie 51 smaller Census places.