Personal loans in Shambaugh, IA

By population, Shambaugh sits at 719th in Iowa, with an estimated 161 residents. Shambaugh shed about 0.6% of its population between the 2020 base and the 2023 estimate. Rate-shopping from Shambaugh costs nothing at pre-qualification, where a soft pull leaves your credit file alone. The nearest larger city is College Springs, IA about 5 miles away.

Shambaugh: population, trend and location

The figures below are Shambaugh's own — Census population, land area and coordinates — followed by the Iowa rules.

• Population: a Census-estimated 161, 719th among Iowa's 940 places (Vintage 2023).
• Population trend: Down about 0.6% from the 2020 Census base to the 2023 estimate.
• Net change: roughly 1 fewer people than the 2020 Census counted.
• Size percentile: roughly 24% of Iowa's places have fewer residents than Shambaugh's 161.
• Population density: about 444 people per square mile across 0.4 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Shambaugh covers 0.4 square miles, the 752nd-largest area among Iowa's 940 places.
• Share of state population: Shambaugh's 161 residents are about 0.0% of Iowa.
• Nationally: Shambaugh is the 17,112th-largest of 19,457 Census places in the dataset.
• Growth rank: Shambaugh's 2020-to-2023 change ranks 358th of 940 places in Iowa.
• Versus Iowa: the state average change is -0.7%, while Shambaugh moved 0.6%.
• Density rank: Shambaugh places 639th among Iowa's places by people per square mile.
• Against the state median: Shambaugh runs about 444 residents per square mile, where the Iowa median is 672.
• Location: coordinates 40.6575, -95.0353 (US Census Bureau Gazetteer).
• Nearest larger cities: College Springs (5 mi); Clarinda (6 mi); New Market (9 mi); Coin (10 mi); Hopkins (14 mi). Online lenders reach Shambaugh no matter how far the nearest branch is.
• Smaller places close by: Braddyville (5 mi); Yorktown (8 mi); Clearmont (10 mi).
• Smaller neighbours: 56 places smaller than Shambaugh sit within 50 miles.
• At 100 miles: 336 larger Census places fall inside that radius.

Iowa rules behind a Shambaugh personal loan

This table holds the Iowa rate and licensing rules for consumer loans made to Shambaugh's 161 residents.

How a Shambaugh personal loan is priced

With roughly 161 residents, Shambaugh is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Shambaugh. Shortening the term on a Shambaugh loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What to do before borrowing in Shambaugh

These steps shape the offer you get in Shambaugh, a place of about 161 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Check the Iowa regulator's records to confirm the lender is licensed here.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Look for an origination fee or prepayment penalty in the written disclosure.

The process is identical across Iowa; what changes is your credit file, not the fact that Shambaugh holds 161 people.

Borrowing reach in Shambaugh

Shambaugh is a lightly settled community of about 161 people, with 62 larger places inside a 50-mile radius. Lenders licensed in Iowa reach Shambaugh's 161 residents online, so the nearest branch is not what sets your APR. The nearest larger city, College Springs, IA about 5 miles away.

Where Shambaugh sits in Iowa

Among Iowa's 940 places, Shambaugh sits at 719th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Shambaugh stands 358th among Iowa's 940 places — roughly the 62th percentile. Its roughly 444 residents per square mile place it 639th among Iowa's places. The population moved by about 1 people between 2020 and 2023, a 0.6% shift.