Personal loans in St. Lucas, IA

Lucas between 2020 and 2023 is downward by roughly 0.6%. Judge St. Lucas offers on total cost, not on how quickly the money arrives. A larger market lies at Waucoma, IA about 5 miles away. To lend to St. Lucas's 167 residents, a company must hold a Iowa licence, and each sourced row below names the regulator behind it.

Borrowing in St. Lucas: the local picture

Read the local figures below as context; read the sourced Iowa table as the rulebook a lender here must follow.

• Population: about 167, ranked 711th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is negative, near 0.6%.
• Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
• Size percentile: St. Lucas sits ahead of around 24% of Iowa places, at 167 people.
• Population density: about 657 people per square mile across 0.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: St. Lucas's 0.3 square miles rank 823rd of 940 places in Iowa.
• Share of Iowa: St. Lucas holds about 0.0% of the state's population, some 167 people.
• Nationally: St. Lucas is the 17,008th-largest of 19,457 Census places in the dataset.
• Growth rank: St. Lucas ranks 356th among Iowa's 940 places for the 2020-to-2023 change.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against St. Lucas's 0.6%.
• Density rank: St. Lucas places 485th among Iowa's places by people per square mile.
• Against the state median: St. Lucas runs about 657 residents per square mile, where the Iowa median is 672.
• Location: 43.0665, -91.9341 (Census Gazetteer coordinates).
• Nearest larger cities: Waucoma (5 mi); Fort Atkinson (5 mi); Calmar (9 mi); Hawkeye (9 mi); Spillville (9 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller places: Jackson Junction (6 mi); Castalia (13 mi); Randalia (14 mi).
• Smaller neighbours: 21 places smaller than St. Lucas sit within 50 miles.
• Larger places within 100 miles: 408.

Getting a loan in St. Lucas

St. Lucas is moderately settled, with about 657 people per square mile and 102 larger places within 50 miles. Distance to a branch rarely matters for St. Lucas's 167 residents: the application is online and the price follows your credit file. The nearest bigger place is Waucoma, IA about 5 miles away.

How Iowa law applies in St. Lucas

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

How St. Lucas compares across Iowa

Among Iowa's 940 places, St. Lucas sits at 711th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, St. Lucas ranks 356th of 940 in Iowa (about the 62th percentile). By density, at about 657 people per square mile, it ranks 485th in Iowa. Within 50 miles sit 21 smaller Census places, alongside the 102 that are larger.

The geography behind St. Lucas

St. Lucas covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 657 people per square mile. Des Moines, the largest place in Iowa, is about 134 miles from St. Lucas. A 50-mile radius around St. Lucas takes in 102 places that are larger. The 100-mile radius contains 408 larger places.

What shapes a St. Lucas personal loan

St. Lucas is a small community of about 167 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in St. Lucas. A longer term lowers the monthly payment on a St. Lucas loan but raises total interest, so the smallest payment is not the cheapest loan.