Personal loans in Ricketts, IA

Consumer lending that reaches Ricketts's 105 residents is governed by Iowa statute; no city ordinance changes it. By population, Ricketts sits at 812th in Iowa, with an estimated 105 residents. Read the disclosure for an origination fee and any prepayment penalty before signing in Ricketts. Population in Ricketts dropped about 3.7% over the three years from 2020 to 2023. The nearest larger metro is Charter Oak, IA about 4 miles away.

Ricketts by the numbers

Most of what governs a Ricketts loan is written in Iowa law rather than in the city; the sourced notes below make that split concrete.

• Population: 105 people, a figure that places Ricketts 812th among the 940 Census places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: Lower by roughly 3.7% since the 2020 count.
• People gained or lost: about 4 fewer since the 2020 base.
• Size percentile: about 14% of Iowa's Census places are smaller than Ricketts.
• Population density: about 423 people per square mile across 0.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Ricketts's 0.2 square miles rank 837th of 940 places in Iowa.
• State share: roughly 0.0% of Iowa's residents live in Ricketts (105 people).
• National standing: Ricketts ranks 18,052nd of 19,457 US places.
• Growth rank: Ricketts ranks 889th among Iowa's 940 places for the 2020-to-2023 change.
• Versus Iowa: the state average change is -0.7%, while Ricketts moved 3.7%.
• Density rank: Ricketts places 647th among Iowa's places by people per square mile.
• Density vs Iowa: Ricketts's 423 people per square mile compare with a state median of 672.
• Location: 42.1280, -95.5749 (US Census Bureau Gazetteer).
• Nearest larger cities: Charter Oak (4 mi); Schleswig (8 mi); Ute (9 mi); Danbury (11 mi); Mapleton (11 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller towns: Arion (14 mi); Buck Grove (17 mi); Castana (18 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 15 smaller Census places.
• Within 100 miles: 417 places are larger than Ricketts.

Ricketts: area, density and distance

Ricketts covers about 0.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 105 residents, the land area yields roughly 423 people per square mile. The largest place in Iowa, Des Moines, lies about 108 miles away. Ricketts has 105 larger places within a 50-mile radius. The 100-mile radius contains 417 larger places.

Iowa consumer-lending rules applied in Ricketts

When Iowa does not publish a figure, the row links to the source instead of inventing a number; Ricketts is bound by the same rules.

A pre-application checklist for Ricketts

Complete these steps first when you borrow in Ricketts (105 residents):

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Test your amount and term in the personal loan calculator first.
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. Test the payment against your current bills before you commit.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

What differs between Ricketts and the rest of Iowa is not the process but the borrower's own file, among the 105 people here.

Where Ricketts sits in Iowa

Ricketts is the 812th-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. For population change between 2020 and 2023, Ricketts ranks 889th of 940 in Iowa (about the 5th percentile). By density, at about 423 people per square mile, it ranks 647th in Iowa. The population moved by about 4 people between 2020 and 2023, a 3.7% shift.

How lenders reach Ricketts

Ricketts is a lightly settled community of about 105 people, with 105 larger places inside a 50-mile radius. What is available to Ricketts's 105 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Charter Oak, IA about 4 miles away.