Personal loans in Strawberry Point, IA

Strawberry Point shed about 0.9% of its population between the 2020 base and the 2023 estimate. Pull your credit reports and line up at least three offers before you apply from Strawberry Point. For a bigger market, look to Elkader, IA about 14 miles away. Which products a lender may offer to Strawberry Point's 1,147 residents follows from the Iowa consumer-lending framework.

What the Census records for Strawberry Point

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

• Population: 1,147 residents; Strawberry Point is the 250th-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: Lower by roughly 0.9% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a loss of about 11 residents.
• Size percentile: about 73% of Iowa's Census places are smaller than Strawberry Point.
• Density: roughly 549 residents per square mile, spread over 2.1 sq mi of land.
• By land area: Strawberry Point ranks 196th among Iowa's 940 places, at 2.1 sq mi.
• Share of Iowa: Strawberry Point holds about 0.0% of the state's population, some 1,147 people.
• National rank: Strawberry Point is 9,719th of 19,457 places nationwide.
• Growth in Iowa: Strawberry Point stands 415th by percentage change from 2020 to 2023, among 940 places.
• Versus Iowa: the state average change is -0.7%, while Strawberry Point moved 0.9%.
• Density in Iowa: Strawberry Point ranks 565th by people per square mile.
• Density vs Iowa: Strawberry Point's 549 people per square mile compare with a state median of 672.
• Location: it lies at 42.6805, -91.5348 in the Census Gazetteer.
• Nearest larger cities: Elkader (14 mi); Manchester (14 mi); Fayette (18 mi); Oelwein (19 mi); Guttenberg (23 mi). A branch is convenient; it is not what sets your APR.
• Smaller communities within reach: Dundee (7 mi); Edgewood (7 mi); Lamont (8 mi).
• Smaller places within 50 miles: 97 of them.
• At 100 miles: 176 larger Census places fall inside that radius.

Iowa consumer-lending rules applied in Strawberry Point

The rows below set out what a licensed lender must follow in Iowa, and so for Strawberry Point's roughly 1,147 residents.

Before you apply in Strawberry Point

Before you hand your details to a lender in Strawberry Point, where the population is near 1,147:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Shop at least three lenders and judge them on APR and total cost.
4. Check the Iowa regulator's records to confirm the lender is licensed here.
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. Check the disclosure for fees that raise the true cost above the quoted rate.

None of these steps is Strawberry Point-specific: the same Iowa licensing and disclosure rules reach all 1,147 residents.

Borrowing reach in Strawberry Point

Strawberry Point is a moderately settled community of about 1,147 people, with 44 larger places inside a 50-mile radius. A Iowa licence lets a lender serve Strawberry Point without a local office, so branch density does not change what its 1,147 residents are offered. The nearest bigger place is Elkader, IA about 14 miles away.

What a Strawberry Point borrower is actually offered

Most loans made to Strawberry Point's 1,147 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Strawberry Point's rank of 250th in Iowa: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Strawberry Point loan but raises total interest, so the smallest payment is not the cheapest loan.

Strawberry Point on the map

Strawberry Point's land area is roughly 2.1 square miles, and the Gazetteer records no significant water area within it. With 1,147 residents, the land area yields roughly 549 people per square mile. The largest place in Iowa, Des Moines, lies about 131 miles away. Strawberry Point has 44 larger places within a 50-mile radius. The 100-mile radius contains 176 larger places.