Personal loans in Radcliffe, IA

Roughly 540 residents live in Radcliffe, the 423rd-largest community in Iowa. Pull your credit reports and line up at least three offers before you apply from Radcliffe. A single loan can carry different costs on either side of a state line, and Radcliffe sits on the Iowa side of that line. A larger market lies at Hubbard, IA about 7 miles away.

What the Census records for Radcliffe

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

• Population: an estimated 540 residents, 423rd of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is negative, near 3.1%.
• Change in people: the 2020-to-2023 comparison is a loss of about 17 residents.
• Size percentile: bigger than about 55% of the places in Iowa, with 540 residents in Radcliffe.
• Population density: about 542 people per square mile (Census land area 1.0 sq mi).
• By land area: Radcliffe ranks 410th among Iowa's 940 places, at 1.0 sq mi.
• State population share: Radcliffe accounts for about 0.0% of everyone in Iowa.
• National standing: Radcliffe ranks 12,848th of 19,457 US places.
• Growth rank: Radcliffe's 2020-to-2023 change ranks 818th of 940 places in Iowa.
• Versus Iowa: the state average change is -0.7%, while Radcliffe moved 3.1%.
• Density rank: Radcliffe is the 573rd most densely settled place in Iowa.
• Against the state median: Radcliffe runs about 542 residents per square mile, where the Iowa median is 672.
• Location: mapped by the US Census Bureau at 42.3177, -93.4343.
• Nearest larger cities: Hubbard (7 mi); Jewell Junction (10 mi); Roland (11 mi); Story City (12 mi); Alden (14 mi). Online lenders reach Radcliffe no matter how far the nearest branch is.
• Smaller communities close by: Ellsworth (8 mi); Buckeye (8 mi); Randall (10 mi), each with its own Census population profile.
• Smaller places within 50 miles: 80 of them.
• At 100 miles: 244 larger Census places fall inside that radius.

Radcliffe's place among Iowa's 940 places

Among Iowa's 940 places, Radcliffe sits at 423rd for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 818th of 940 Iowa places, putting it near the 13th percentile for growth. At about 542 people per square mile, Radcliffe is the 573rd most densely settled place in Iowa. The population moved by about 17 people between 2020 and 2023, a 3.1% shift.

Which Iowa laws govern a loan in Radcliffe

Every row below records a Iowa rule, its publisher and its retrieval date — the same rules a Radcliffe lender must follow.

Where Radcliffe sits

Radcliffe covers about 1.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 542 residents per square mile. The largest place in Iowa, Des Moines, lies about 52 miles away. Radcliffe has 67 larger places within a 50-mile radius. The 100-mile radius contains 244 larger places.

The anatomy of a Radcliffe personal loan

Radcliffe is a small community of about 540 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Radcliffe's rank of 423rd in Iowa: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Radcliffe decides the split between a comfortable payment and the total interest you pay.

Before you apply in Radcliffe

Before you hand your details to a lender in Radcliffe, where the population is near 540:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Make sure the lender appears in the Iowa regulator's licence list.
5. Decide the purpose and how you will repay it before approaching any lender.
6. If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
7. Look for an origination fee or prepayment penalty in the written disclosure.

What differs between Radcliffe and the rest of Iowa is not the process but the borrower's own file, among the 540 people here.