Personal loans in St. Charles, IA

Charles counts about 643 people, and what is genuinely local about borrowing here is limited — Iowa law does the governing. Every figure below is Iowa's own, applied to St. Charles's 643 residents, with the publisher and retrieval date attached. Price two or three terms so you can see which payment is truly affordable in St. Charles. A larger market lies at Winterset, IA about 12 miles away.

St. Charles by the numbers

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

• Population: about 643 people live here, which puts St. Charles 389th of 940 Census places in Iowa (Vintage 2023).
• Population trend: Higher by roughly 0.2% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a gain of about 1 residents.
• Size percentile: bigger than about 59% of the places in Iowa, with 643 residents in St. Charles.
• Population density: about 1,035 people per square mile across 0.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: St. Charles's 0.6 square miles rank 563rd of 940 places in Iowa.
• State share: roughly 0.0% of Iowa's residents live in St. Charles (643 people).
• Nationally: St. Charles is the 12,149th-largest of 19,457 Census places in the dataset.
• Growth rank: St. Charles's 2020-to-2023 change ranks 221st of 940 places in Iowa.
• Against the state trend: St. Charles's 0.2% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: St. Charles is the 251st most densely settled place in Iowa.
• Against the state median: St. Charles runs about 1,035 residents per square mile, where the Iowa median is 672.
• Location: 41.2872 / -93.8075, per the US Census Bureau Gazetteer.
• Nearest larger cities: Winterset (12 mi); Indianola (14 mi); Norwalk (15 mi); Osceola (17 mi); Van Meter (18 mi). Lenders licensed in the state serve St. Charles whether or not they keep a local branch.
• Nearest smaller towns: St. Marys (4 mi); Bevington (5 mi); Patterson (6 mi).
• Within a 50-mile radius: 74 smaller Census places.
• Within 100 miles: 166 places are larger than St. Charles.

What shapes a St. Charles personal loan

A St. Charles personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 643 residents. Because pricing is borrower-level, two people in St. Charles can be quoted different APRs on the same amount and term. Shortening the term on a St. Charles loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

The St. Charles borrowing checklist

Before you hand your details to a lender in St. Charles, where the population is near 643:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Test your amount and term in the personal loan calculator first.
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. Keep the amount to the expense; an approval is not a reason to take more.
6. Be clear on what the loan is for and how it gets repaid.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

What differs between St. Charles and the rest of Iowa is not the process but the borrower's own file, among the 643 people here.

St. Charles's place among Iowa's 940 places

Among Iowa's 940 places, St. Charles sits at 389th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 221st of 940 Iowa places, putting it near the 76th percentile for growth. By density, at about 1,035 people per square mile, it ranks 251st in Iowa. In land area, St. Charles ranks 563rd among Iowa's 940 places.

Iowa consumer-lending rules applied in St. Charles

For the roughly 643 residents of St. Charles, the rules below are Iowa's own; each row carries its publisher and retrieval date.

Borrowing reach in St. Charles

With about 1,035 residents per square mile, St. Charles is moderately settled, and 58 larger Census places sit within 50 miles. A Iowa licence lets a lender serve St. Charles without a local office, so branch density does not change what its 643 residents are offered. For a larger market, the closest option is Winterset, IA about 12 miles away.