Personal loans in St. Olaf, IA

By population, St. Olaf sits at 817th in Iowa, with an estimated 102 residents. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a St. Olaf loan. St. Olaf shed about 1.0% of its population between the 2020 base and the 2023 estimate. The closest larger place is Farmersburg, IA about 2 miles away.

St. Olaf: population, trend and location

Set out below is St. Olaf's local context next to the state-level rules that reach every lender here.

• Population: about 102, ranked 817th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: Lower by roughly 1.0% since the 2020 count.
• Absolute change: 1 residents lost between 2020 and 2023.
• Size percentile: bigger than about 13% of the places in Iowa, with 102 residents in St. Olaf.
• Land and density: 0.2 square miles of land carry roughly 423 residents per square mile.
• By land area: St. Olaf ranks 842nd among Iowa's 940 places, at 0.2 sq mi.
• Within Iowa: about 0.0% of the state's population lives in St. Olaf.
• Nationally: St. Olaf is the 18,096th-largest of 19,457 Census places in the dataset.
• Growth in Iowa: St. Olaf stands 416th by percentage change from 2020 to 2023, among 940 places.
• Against the state trend: St. Olaf's 1.0% change compares with a Iowa average of -0.7% across its 940 places.
• Density in Iowa: St. Olaf ranks 648th by people per square mile.
• Against the state median: St. Olaf runs about 423 residents per square mile, where the Iowa median is 672.
• Location: it lies at 42.9268, -91.3877 in the Census Gazetteer.
• Nearest larger cities: Farmersburg (2 mi); Elkader (5 mi); Monona (9 mi); Garnavillo (9 mi); Luana (10 mi). Lenders licensed in the state serve St. Olaf whether or not they keep a local branch.
• Nearest smaller towns: Clayton (12 mi); Elkport (14 mi); Garber (14 mi).
• Within a 50-mile radius: 13 smaller Census places.
• Within 100 miles: 468 places are larger than St. Olaf.

The Iowa lending rules that reach St. Olaf

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

St. Olaf: area, density and distance

St. Olaf's land area is roughly 0.2 square miles, and the Gazetteer records no significant water area within it. With 102 residents, the land area yields roughly 423 people per square mile. The state's population centre of gravity, Des Moines, is roughly 147 miles away. Within 50 miles of St. Olaf there are 118 larger Census places. The 100-mile radius contains 468 larger places.

What is available to St. Olaf borrowers

With about 423 residents per square mile, St. Olaf is lightly settled, and 118 larger Census places sit within 50 miles. Distance to a branch rarely matters for St. Olaf's 102 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Farmersburg, IA about 2 miles away.

A practical checklist for St. Olaf borrowers

These steps shape the offer you get in St. Olaf, a place of about 102 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Test your amount and term in the personal loan calculator first.
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. Be clear on what the loan is for and how it gets repaid.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Look for an origination fee or prepayment penalty in the written disclosure.

In St. Olaf as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 102 residents.

St. Olaf in state context

Within Iowa, St. Olaf holds roughly 0.0% of all residents, the 817th-largest share among 940 places. On the 2020-to-2023 trend, St. Olaf stands 416th among Iowa's 940 places — roughly the 56th percentile. By density, at about 423 people per square mile, it ranks 648th in Iowa. By land area, its 0.2 square miles rank 842nd of 940 places in Iowa.