Personal loans in Rathbun, IA

At about 39 residents, Rathbun is larger than roughly 3% of the places in Iowa. Rathbun shed about 2.5% of its population between the 2020 base and the 2023 estimate. Verify the lender's Iowa licence against the regulator named below before borrowing in Rathbun. The closest larger city is Mystic, IA about 3 miles away.

Rathbun: the sourced local profile

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

• Population: the Census counts 39 residents in Rathbun (Vintage 2023 subcounty estimate), the 912th-largest figure among Iowa's 940 places.
• Population trend: Down about 2.5% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 1 fewer since the 2020 base.
• Size percentile: roughly 3% of Iowa places rank below Rathbun.
• Land and density: 0.2 square miles of land carry roughly 182 residents per square mile.
• Land area rank: Rathbun's 0.2 square miles rank 861st of 940 places in Iowa.
• Within Iowa: about 0.0% of the state's population lives in Rathbun.
• National rank: Rathbun sits 19,122nd by population among the 19,457 places in this dataset.
• Growth in Iowa: Rathbun stands 739th by percentage change from 2020 to 2023, among 940 places.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Rathbun's 2.5%.
• Density in Iowa: Rathbun ranks 837th by people per square mile.
• Density in context: Rathbun's 182 people per square mile sit against a Iowa median of 672.
• Location: it lies at 40.8018, -92.8879 in the Census Gazetteer.
• Nearest larger cities: Mystic (3 mi); Centerville (5 mi); Moravia (7 mi); Plano (9 mi); Numa (9 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller places: Udell (8 mi); South Lineville (37 mi); Le Roy (37 mi).
• Smaller places within 50 miles: 5 of them.
• Larger places within 100 miles: 453.

Rathbun against the rest of Iowa

Among Iowa's 940 places, Rathbun sits at 912th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Rathbun stands 739th among Iowa's 940 places — roughly the 21th percentile. At about 182 people per square mile, Rathbun is the 837th most densely settled place in Iowa. By land area, its 0.2 square miles rank 861st of 940 places in Iowa.

The geography behind Rathbun

Rathbun covers about 0.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 39 residents, the land area yields roughly 182 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 65 miles. Rathbun has 99 larger places within a 50-mile radius. The 100-mile radius contains 453 larger places.

Lender access in Rathbun

Rathbun is a lightly settled community of about 39 people, with 99 larger places inside a 50-mile radius. Lenders licensed in Iowa reach Rathbun's 39 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Mystic, IA about 3 miles away.

The state rulebook for Rathbun

Below are the Iowa rules that apply to a loan made in Rathbun, each with the regulator that issued it.

A practical checklist for Rathbun borrowers

For Rathbun's roughly 39 residents, these are the steps that most influence the offer:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the lender holds a Iowa licence by checking the regulator named above.
5. Make sure the new payment leaves room in a budget you already keep.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Rathbun-specific: the same Iowa licensing and disclosure rules reach all 39 residents.