Personal loans in Swea City, IA

When Iowa caps or restricts a product, lenders either change the terms or withdraw it from Swea City as from the rest of the state. Swea City is home to roughly 547 people and stands 421st by size out of 940 Census places in Iowa. Verify the lender's Iowa licence against the regulator named below before borrowing in Swea City. From the 2020 Census base to the 2023 estimate, the population declined by about 3.4%. The closest larger place is Bancroft, IA about 8 miles away.

Local context for Swea City

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

• Population: 547 residents; Swea City is the 421st-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: About 3.4% below the 2020 Census base.
• Change in people: the 2020-to-2023 comparison is a loss of about 19 residents.
• Size percentile: about 55% of Iowa's Census places are smaller than Swea City.
• Density: roughly 713 residents per square mile, spread over 0.8 sq mi of land.
• By land area: Swea City ranks 488th among Iowa's 940 places, at 0.8 sq mi.
• Share of state population: Swea City's 547 residents are about 0.0% of Iowa.
• National standing: Swea City ranks 12,796th of 19,457 US places.
• Growth rank: Swea City's 2020-to-2023 change ranks 866th of 940 places in Iowa.
• Against the state trend: Swea City's 3.4% change compares with a Iowa average of -0.7% across its 940 places.
• Density in Iowa: Swea City ranks 441st by people per square mile.
• Against the state median: Swea City runs about 713 residents per square mile, where the Iowa median is 672.
• Location: the Census Gazetteer records it at 43.3835, -94.3103.
• Nearest larger cities: Bancroft (8 mi); Armstrong (9 mi); Buffalo Center (18 mi); Fairmont (20 mi); Blue Earth (21 mi). Online lenders reach Swea City no matter how far the nearest branch is.
• Smaller places close by: Ledyard (8 mi); Lakota (11 mi); Lone Rock (11 mi).
• Smaller neighbours: 76 places smaller than Swea City sit within 50 miles.
• Larger places within 100 miles: 214.

The geography behind Swea City

Swea City covers about 0.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 547 residents, the land area yields roughly 713 people per square mile. The largest place in Iowa, Des Moines, lies about 130 miles away. Swea City has 42 larger places within a 50-mile radius. Within the same 50 miles lie 76 smaller Census places.

The state rulebook for Swea City

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

Swea City against the rest of Iowa

Swea City is the 421st-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 866th of 940 Iowa places, putting it near the 8th percentile for growth. Its roughly 713 residents per square mile place it 441st among Iowa's places. By land area, its 0.8 square miles rank 488th of 940 places in Iowa.

Lender access in Swea City

With about 713 residents per square mile, Swea City is moderately settled, and 42 larger Census places sit within 50 miles. A Iowa licence lets a lender serve Swea City without a local office, so branch density does not change what its 547 residents are offered. The nearest larger city, Bancroft, IA about 8 miles away.

How personal loans work in Swea City

A Swea City personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 547 residents. Federal Truth in Lending rules require a Swea City lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Swea City loan is knowable in advance — unlike a revolving card balance.