Personal loans in Templeton, IA

Templeton ranks 535th of 940 places in Iowa, with a population near 341. Verify the lender's Iowa licence against the regulator named below before borrowing in Templeton. When Iowa caps or restricts a product, lenders either change the terms or withdraw it from Templeton as from the rest of the state. The nearest larger metro is Manning, IA about 6 miles away.

Templeton: population, trend and location

Here is the sourced Census picture for Templeton, plus the Iowa lending rules that apply to a loan taken out here.

• Population: the Census counts 341 residents in Templeton (Vintage 2023 subcounty estimate), the 535th-largest figure among Iowa's 940 places.
• Population trend: The 2020-to-2023 change is negative, near 2.6%.
• People gained or lost: about 9 fewer since the 2020 base.
• Size percentile: roughly 43% of Iowa places rank below Templeton.
• Density: the Census land area of 0.5 sq mi holds about 696 people per square mile.
• By land area: Templeton ranks 668th among Iowa's 940 places, at 0.5 sq mi.
• Share of Iowa: Templeton holds about 0.0% of the state's population, some 341 people.
• National rank: Templeton is the 14,670th most populous of the 19,457 Census places covered here.
• Growth in Iowa: Templeton stands 750th by percentage change from 2020 to 2023, among 940 places.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Templeton's 2.6%.
• Density in Iowa: Templeton ranks 457th by people per square mile.
• Against the state median: Templeton runs about 696 residents per square mile, where the Iowa median is 672.
• Location: 41.9181, -94.9407 (Census Gazetteer coordinates).
• Nearest larger cities: Manning (6 mi); Carroll (11 mi); Arcadia (13 mi); Coon Rapids (14 mi); Audubon (14 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller towns nearby: Gray (6 mi); Dedham (6 mi); Halbur (6 mi).
• Smaller neighbours: 57 places smaller than Templeton sit within 50 miles.
• Within 100 miles: 281 places are larger than Templeton.

What Iowa law requires in Templeton

Read the table as a lender's compliance picture for Templeton: the rule, the sourced figure, the publisher and the date.

How a Templeton personal loan is priced

In Templeton, a small community of about 341, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Templeton loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Templeton loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

A practical checklist for Templeton borrowers

For Templeton's roughly 341 residents, these are the steps that most influence the offer:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Line up several pre-qualified offers and let the APR decide.
4. Confirm the Iowa licence with the regulator named above before committing.
5. Weigh a shorter term's higher payment against the interest it saves.
6. Borrow only what the purpose requires, not the maximum you are offered.
7. Decide the purpose and how you will repay it before approaching any lender.

None of these steps is Templeton-specific: the same Iowa licensing and disclosure rules reach all 341 residents.

Templeton on the map

Templeton covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 696 residents per square mile. Des Moines, the largest place in Iowa, is about 73 miles from Templeton. Counting outward 50 miles, 70 larger communities surround Templeton. The 100-mile radius contains 281 larger places.

Lender access in Templeton

With about 696 residents per square mile, Templeton is moderately settled, and 70 larger Census places sit within 50 miles. What is available to Templeton's 341 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Manning, IA about 6 miles away.