Personal loans in Russell, IA
A lender that serves Russell operates under Iowa lending statutes and a Iowa supervisor. In Russell, one of 940 Census places in Iowa, the figure to compare across lenders is the APR, not the advertised rate.
Roughly 474 residents live in Russell, the 451st-largest community in Iowa. Russell gained roughly 0.2% in population across the 2020-to-2023 comparison. Judge Russell offers on total cost, not on how quickly the money arrives. Borrowers who want a bigger city can look to Chariton, IA about 6 miles away.
What the Census records for Russell
Two layers matter for a Russell borrower: the local population picture and Iowa's consumer-lending statutes.
- Population: the Census counts 474 residents in Russell (Vintage 2023 subcounty estimate), the 451st-largest figure among Iowa's 940 places.
- Population trend: About 0.2% above the 2020 Census base.
- Net change: roughly 1 more people than the 2020 Census counted.
- Size percentile: roughly 52% of Iowa places rank below Russell.
- Density: the Census land area of 1.0 sq mi holds about 462 people per square mile.
- By land area: Russell ranks 381st among Iowa's 940 places, at 1.0 sq mi.
- State share: roughly 0.0% of Iowa's residents live in Russell (474 people).
- Nationally: Russell is the 13,382nd-largest of 19,457 Census places in the dataset.
- Growth rank: Russell's 2020-to-2023 change ranks 218th of 940 places in Iowa.
- State comparison: Iowa's places average -0.7% for 2020-to-2023, against Russell's 0.2%.
- Density rank: Russell is the 628th most densely settled place in Iowa.
- Against the state median: Russell runs about 462 residents per square mile, where the Iowa median is 672.
- Location: the Census Gazetteer records it at 40.9804, -93.2011.
- Nearest larger cities: Chariton (6 mi); Corydon (17 mi); Melcher-Dallas (17 mi); Moravia (21 mi); Albia (21 mi). Larger metros often have more branches, but online lenders reach Russell on the same terms.
- Nearest smaller places: Melrose (8 mi); Williamson (8 mi); Millerton (11 mi).
- Smaller places within 50 miles: 71 of them.
- At 100 miles: 200 larger Census places fall inside that radius.
Borrowing reach in Russell
Russell is a lightly settled community of about 474 people, with 46 larger places inside a 50-mile radius. Lenders licensed in Iowa reach Russell's 474 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Chariton, IA about 6 miles away.
Inside a Russell personal loan
With roughly 474 residents, Russell is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Russell loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Russell loan is knowable in advance — unlike a revolving card balance.
Iowa consumer-lending rules applied in Russell
The rows below set out what a licensed lender must follow in Iowa, and so for Russell's roughly 474 residents.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Iowa Division of Banking (IDOB), Iowa Department of Insurance and Financial Services Source says: "As part of the 2023 state government realignment, the IDOB became part of a new Department of Insurance and Financial Services". | Iowa Division of Banking as of 2026-09-16 |
| Small-loan / installment lender licensing | Regulated Loan Act license required (superintendent of banking) Source says: "shall not engage in the business of making loans ... without first obtaining a license from the superintendent of banking". | Iowa Legislature (Iowa Code) as of 2026-09-16 |
| Delayed deposit fee cap | Fee cap: $15 on first $100 of check face amount; $10 on subsequent $100 increments Source says: "fifteen dollars on the first one hundred dollars ... or more than ten dollars on subsequent one hundred dollar increments". | Iowa Legislature (Iowa Code) as of 2026-09-16 |
Land, water and location for Russell
Inside Russell's boundaries lie about 1.0 square miles of land, with no significant water area recorded. The resulting density is about 462 people per square mile. The state's population centre of gravity, Des Moines, is roughly 46 miles away. Within 50 miles of Russell there are 46 larger Census places. By land area it ranks 381st of 940 Iowa places.
Russell in state context
Against Iowa's other places, Russell accounts for about 0.0% of the state's population and ranks 451st of 940 by size. Its 2020-to-2023 change ranks 218th of 940 Iowa places, putting it near the 77th percentile for growth. Its roughly 462 residents per square mile place it 628th among Iowa's places. The population moved by about 1 people between 2020 and 2023, a 0.2% shift.
Common questions
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Nearby places
- Chariton, IA — population 4,280
- Williamson, IA — population 125
- Melrose, IA — population 111
- Millerton, IA — population 43
- Promise City, IA — population 91
- Melcher-Dallas, IA — population 1,184
- Corydon, IA — population 1,537
- Derby, IA — population 89