Personal loans in Soldier, IA

State law, not city hall, decides what a lender may do to Soldier's roughly 180 residents, and a state regulator supervises it. With an estimated 180 residents, Soldier is the 689th-largest of 940 places in Iowa. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Soldier loan. A 2020-to-2023 comparison shows Soldier down by about 2.7%. Borrowers who want a bigger city can look to Moorhead, IA about 6 miles away.

Soldier: the sourced local profile

What follows is Soldier's place in the Census record, alongside the Iowa rules that govern a personal loan made here.

• Population: the Census counts 180 residents in Soldier (Vintage 2023 subcounty estimate), the 689th-largest figure among Iowa's 940 places.
• Population trend: Lower by roughly 2.7% since the 2020 count.
• Net change: roughly 5 fewer people than the 2020 Census counted.
• Size percentile: roughly 27% of Iowa places rank below Soldier.
• Population density: about 581 people per square mile (Census land area 0.3 sq mi).
• Land area: Soldier covers 0.3 square miles, the 784th-largest area among Iowa's 940 places.
• State population share: Soldier accounts for about 0.0% of everyone in Iowa.
• National rank: Soldier is 16,789th of 19,457 places nationwide.
• Growth rank: Soldier's 2020-to-2023 change ranks 773rd of 940 places in Iowa.
• Versus Iowa: the state average change is -0.7%, while Soldier moved 2.7%.
• Density in Iowa: Soldier ranks 534th by people per square mile.
• Density vs Iowa: Soldier's 581 people per square mile compare with a state median of 672.
• Location: 41.9843, -95.7804 (Census Gazetteer coordinates).
• Nearest larger cities: Moorhead (6 mi); Ute (6 mi); Charter Oak (11 mi); Mapleton (13 mi); Dunlap (13 mi). Online lenders reach Soldier no matter how far the nearest branch is.
• Smaller places close by: Castana (9 mi); Turin (10 mi); Ricketts (14 mi).
• Smaller places within 50 miles: 20 of them.
• At 100 miles: 342 larger Census places fall inside that radius.

Soldier in state context

Against Iowa's other places, Soldier accounts for about 0.0% of the state's population and ranks 689th of 940 by size. Its 2020-to-2023 change ranks 773rd of 940 Iowa places, putting it near the 18th percentile for growth. Its roughly 581 residents per square mile place it 534th among Iowa's places. In land area, Soldier ranks 784th among Iowa's 940 places.

Inside a Soldier personal loan

A Soldier personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 180 residents. Federal Truth in Lending rules require a Soldier lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Soldier loan but raises total interest, so the smallest payment is not the cheapest loan.

How Iowa law applies in Soldier

This table holds the Iowa rate and licensing rules for consumer loans made to Soldier's 180 residents.

What to do before borrowing in Soldier

For Soldier's roughly 180 residents, these are the steps that most influence the offer:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Line up several pre-qualified offers and let the APR decide.
4. Make sure the lender appears in the Iowa regulator's licence list.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Test the payment against your current bills before you commit.

None of these steps is Soldier-specific: the same Iowa licensing and disclosure rules reach all 180 residents.

How lenders reach Soldier

With about 581 residents per square mile, Soldier is moderately settled, and 99 larger Census places sit within 50 miles. A Iowa licence lets a lender serve Soldier without a local office, so branch density does not change what its 180 residents are offered. The nearest larger city, Moorhead, IA about 6 miles away.