Personal loans in Walnut, IA

With an estimated 725 residents, Walnut is the 358th-largest of 940 places in Iowa. The next larger city is Avoca, IA about 6 miles away. A single loan can carry different costs on either side of a state line, and Walnut sits on the Iowa side of that line. For a community of about 725, the practical step is to compare APR across at least three lenders before committing.

Local context for Walnut

Most of what governs a Walnut loan is written in Iowa law rather than in the city; the sourced notes below make that split concrete.

• Population: about 725, ranked 358th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: About 2.2% below the 2020 Census base.
• Absolute change: 16 residents lost between 2020 and 2023.
• Size percentile: about 62% of Iowa communities are smaller than Walnut (725 residents).
• Population density: about 330 people per square mile across 2.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Walnut's 2.2 square miles rank 181st of 940 places in Iowa.
• State population share: Walnut accounts for about 0.0% of everyone in Iowa.
• National rank: Walnut sits 11,629th by population among the 19,457 places in this dataset.
• Growth rank: Walnut's 2020-to-2023 change ranks 667th of 940 places in Iowa.
• Against the state trend: Walnut's 2.2% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: Walnut is the 712th most densely settled place in Iowa.
• Density vs Iowa: Walnut's 330 people per square mile compare with a state median of 672.
• Location: 41.4895, -95.2197 (US Census Bureau Gazetteer).
• Nearest larger cities: Avoca (6 mi); Shelby (12 mi); Atlantic (12 mi); Harlan (12 mi); Oakland (15 mi). Larger metros often have more branches, but online lenders reach Walnut on the same terms.
• Smaller places close by: Marne (6 mi); Hancock (10 mi); Elk Horn (11 mi).
• Within a 50-mile radius: 73 smaller Census places.
• Larger places within 100 miles: 178.

The state rulebook for Walnut

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

The geography behind Walnut

Inside Walnut's boundaries lie about 2.2 square miles of land, with no significant water area recorded. Spread across it are roughly 330 residents per square mile. The largest place in Iowa, Des Moines, lies about 83 miles away. Counting outward 50 miles, 45 larger communities surround Walnut. The 100-mile radius contains 178 larger places.

How a Walnut personal loan is priced

Most loans made to Walnut's 725 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Walnut's rank of 358th 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 Walnut loan but raises total interest, so the smallest payment is not the cheapest loan.

Walnut in state context

Among Iowa's 940 places, Walnut sits at 358th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 667th of 940 Iowa places, putting it near the 29th percentile for growth. At about 330 people per square mile, Walnut is the 712th most densely settled place in Iowa. Between 2020 and 2023 the count changed by roughly 16 residents.

Steps to take before a Walnut loan

For Walnut's roughly 725 residents, these are the steps that most influence the offer:

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. 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. Make sure the new payment leaves room in a budget you already keep.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Keep the amount to the expense; an approval is not a reason to take more.

In Walnut as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 725 residents.