Personal loans in Valeria, IA

The next larger city is Mingo, IA about 3 miles away. Valeria gained roughly 5.4% in population across the 2020-to-2023 comparison. For the 39 people in Valeria, Iowa runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Use the calculator on this page to price an amount and term before you commit in Valeria.

Valeria: population, trend and location

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

• Population: 39 residents; Valeria is the 913th-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: About 5.4% above the 2020 Census base.
• Net change: roughly 2 more people than the 2020 Census counted.
• Size percentile: roughly 3% of Iowa places rank below Valeria.
• Population density: about 796 people per square mile across 0.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Valeria covers 0.0 square miles, the 940th-largest area among Iowa's 940 places.
• Within Iowa: about 0.0% of the state's population lives in Valeria.
• Nationally: Valeria is the 19,124th-largest of 19,457 Census places in the dataset.
• Growth in Iowa: Valeria stands 29th by percentage change from 2020 to 2023, among 940 places.
• Against the state trend: Valeria's 5.4% change compares with a Iowa average of -0.7% across its 940 places.
• Density in Iowa: Valeria ranks 388th by people per square mile.
• Against the state median: Valeria runs about 796 residents per square mile, where the Iowa median is 672.
• Location: 41.7298 / -93.3255, per the US Census Bureau Gazetteer.
• Nearest larger cities: Mingo (3 mi); Mitchellville (5 mi); Colfax (6 mi); Bondurant (7 mi); Altoona (10 mi). Living near a larger metro rarely changes what is available in Valeria.
• Nearest smaller towns: Berkley (43 mi); Owasa (49 mi); Dana (54 mi) — useful context for the surrounding area.
• Smaller places within 50 miles: 2 of them.
• Larger places within 100 miles: 508.

Iowa consumer-lending rules applied in Valeria

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

Steps to take before a Valeria loan

Before you hand your details to a lender in Valeria, where the population is near 39:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Verify the lender's Iowa licence with the regulator listed on this page.
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.

In Valeria as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 39 residents.

What a Valeria borrower is actually offered

With roughly 39 residents, Valeria is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Valeria loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Valeria loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Valeria: area, density and distance

Inside Valeria's boundaries lie about 0.0 square miles of land, with no significant water area recorded. That land carries about 796 people per square mile. The largest place in Iowa, Des Moines, lies about 18 miles away. Within 50 miles of Valeria there are 144 larger Census places. The 100-mile radius contains 508 larger places.

Valeria in state context

Against Iowa's other places, Valeria accounts for about 0.0% of the state's population and ranks 913th of 940 by size. Its 2020-to-2023 change ranks 29th of 940 Iowa places, putting it near the 97th percentile for growth. Its roughly 796 residents per square mile place it 388th among Iowa's places. The population moved by about 2 people between 2020 and 2023, a 5.4% shift.