Personal loans in Ute, IA

A 2020-to-2023 comparison shows Ute down by about 3.5%. For a community of about 330, the practical step is to compare APR across at least three lenders before committing. A larger market lies at Charter Oak, IA about 6 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Ute's 330 residents.

Ute: population, trend and location

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

• Population: the Census counts 330 residents in Ute (Vintage 2023 subcounty estimate), the 545th-largest figure among Iowa's 940 places.
• Population trend: A drop of about 3.5% from 2020 to 2023.
• Absolute change: 12 residents lost between 2020 and 2023.
• Size percentile: Ute sits ahead of around 42% of Iowa places, at 330 people.
• Density: roughly 887 residents per square mile, spread over 0.4 sq mi of land.
• Land area: Ute covers 0.4 square miles, the 744th-largest area among Iowa's 940 places.
• Within Iowa: about 0.0% of the state's population lives in Ute.
• National standing: Ute ranks 14,793rd of 19,457 US places.
• Growth in Iowa: Ute stands 878th by percentage change from 2020 to 2023, among 940 places.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Ute's 3.5%.
• Density in Iowa: Ute ranks 332nd by people per square mile.
• Density in context: Ute's 887 people per square mile sit against a Iowa median of 672.
• Location: the Census Gazetteer records it at 42.0503, -95.7058.
• Nearest larger cities: Charter Oak (6 mi); Mapleton (9 mi); Dow City (14 mi); Dunlap (15 mi); Schleswig (16 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller places nearby: Soldier (6 mi); Ricketts (9 mi); Castana (11 mi).
• Smaller places within 50 miles: 50 of them.
• At 100 miles: 274 larger Census places fall inside that radius.

The Ute borrowing checklist

For Ute's roughly 330 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. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Line up several pre-qualified offers and let the APR decide.
4. Look the lender up in the Iowa regulator's licence records before you sign.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Borrow only what the purpose requires, not the maximum you are offered.

None of these steps is Ute-specific: the same Iowa licensing and disclosure rules reach all 330 residents.

Ute: area, density and distance

Ute's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 887 residents per square mile. The largest place in Iowa, Des Moines, lies about 113 miles away. Within 50 miles of Ute there are 68 larger Census places. Within the same 50 miles lie 50 smaller Census places.

What Iowa law requires in Ute

Iowa has no separate rate rule for Ute; the sourced rows below are what reach every lender that serves its 330 people.

What is available to Ute borrowers

Ute is a moderately settled community of about 330 people, with 68 larger places inside a 50-mile radius. Lenders licensed in Iowa reach Ute's 330 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Charter Oak, IA about 6 miles away.

Inside a Ute personal loan

Ute is a small community of about 330 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Ute's rank of 545th in Iowa: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Ute decides the split between a comfortable payment and the total interest you pay.