Personal loans in Steamboat Rock, IA

The closest larger city is Eldora, IA about 4 miles away. A 2020-to-2023 comparison shows Steamboat Rock down by about 1.9%. State law, not city hall, decides what a lender may do to Steamboat Rock's roughly 261 residents, and a state regulator supervises it. Compare APR, not the interest rate, because the APR folds in most fees on a Steamboat Rock loan.

The Steamboat Rock data picture

Only a few things actually differ by place — population, area, location, and the Iowa rules a lender must follow — and they are below.

• Population: the Census counts 261 residents in Steamboat Rock (Vintage 2023 subcounty estimate), the 597th-largest figure among Iowa's 940 places.
• Population trend: Roughly 1.9% fewer residents than the 2020 Census counted.
• People gained or lost: about 5 fewer since the 2020 base.
• Size percentile: bigger than about 36% of the places in Iowa, with 261 residents in Steamboat Rock.
• Population density: 483 people per square mile on 0.5 square miles of land.
• By land area: Steamboat Rock ranks 630th among Iowa's 940 places, at 0.5 sq mi.
• Share of state population: Steamboat Rock's 261 residents are about 0.0% of Iowa.
• National rank: Steamboat Rock is the 15,613th most populous of the 19,457 Census places covered here.
• Growth rank: Steamboat Rock ranks 605th among Iowa's 940 places for the 2020-to-2023 change.
• Against the state trend: Steamboat Rock's 1.9% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: Steamboat Rock is the 613th most densely settled place in Iowa.
• Against the state median: Steamboat Rock runs about 483 residents per square mile, where the Iowa median is 672.
• Location: it lies at 42.4081, -93.0662 in the Census Gazetteer.
• Nearest larger cities: Eldora (4 mi); Wellsburg (7 mi); Ackley (10 mi); Union (11 mi); Iowa Falls (13 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller towns nearby: Owasa (7 mi); New Providence (10 mi); Whitten (10 mi).
• Smaller neighbours: 39 places smaller than Steamboat Rock sit within 50 miles.
• At 100 miles: 355 larger Census places fall inside that radius.

What is available to Steamboat Rock borrowers

Steamboat Rock is lightly settled, with about 483 people per square mile and 95 larger places within 50 miles. Lenders licensed in Iowa reach Steamboat Rock's 261 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Eldora, IA about 4 miles away.

The geography behind Steamboat Rock

Inside Steamboat Rock's boundaries lie about 0.5 square miles of land, with no significant water area recorded. That land carries about 483 people per square mile. The largest place in Iowa, Des Moines, lies about 64 miles away. Steamboat Rock has 95 larger places within a 50-mile radius. By land area it ranks 630th of 940 Iowa places.

Which Iowa laws govern a loan in Steamboat Rock

Every row below records a Iowa rule, its publisher and its retrieval date — the same rules a Steamboat Rock lender must follow.

Before you apply in Steamboat Rock

These steps shape the offer you get in Steamboat Rock, a place of about 261 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Test your amount and term in the personal loan calculator first.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Look the lender up in the Iowa regulator's licence records before you sign.
5. Pick the shortest term whose payment you can comfortably afford.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Write down the purpose of the loan and your repayment plan before you apply.

None of these steps is Steamboat Rock-specific: the same Iowa licensing and disclosure rules reach all 261 residents.

Steamboat Rock in state context

Against Iowa's other places, Steamboat Rock accounts for about 0.0% of the state's population and ranks 597th of 940 by size. Its 2020-to-2023 change ranks 605th of 940 Iowa places, putting it near the 36th percentile for growth. By density, at about 483 people per square mile, it ranks 613th in Iowa. In land area, Steamboat Rock ranks 630th among Iowa's 940 places.