Personal loans in Woodbine, IA

For a borrower among the roughly 1,718 residents of Woodbine, a personal loan is a tool whose cost turns on the terms, not the address. A single loan can carry different costs on either side of a state line, and Woodbine sits on the Iowa side of that line. Judge Woodbine offers on total cost, not on how quickly the money arrives. The next larger city is Missouri Valley, IA about 16 miles away.

The Woodbine data picture

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

• Population: 1,718 — Woodbine ranks 184th of 940 communities in Iowa (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is positive, near 5.4%.
• People gained or lost: about 88 more since the 2020 base.
• Size percentile: with 1,718 residents, Woodbine is larger than about 80% of Iowa's Census places.
• Population density: 1,037 people per square mile on 1.7 square miles of land.
• By land area: Woodbine ranks 245th among Iowa's 940 places, at 1.7 sq mi.
• Water area: Woodbine has 0.05 square miles of water, ranking 81st of 940 places in Iowa.
• Within Iowa: about 0.1% of the state's population lives in Woodbine.
• Nationally: Woodbine is the 8,196th-largest of 19,457 Census places in the dataset.
• Growth in Iowa: Woodbine stands 30th by percentage change from 2020 to 2023, among 940 places.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Woodbine's 5.4%.
• Density rank: Woodbine places 248th among Iowa's places by people per square mile.
• Against the state median: Woodbine runs about 1,037 residents per square mile, where the Iowa median is 672.
• Location: latitude 41.7363, longitude -95.7111 (Census Gazetteer).
• Nearest larger cities: Missouri Valley (16 mi); Harlan (21 mi); Blair (26 mi); Denison (27 mi); Onawa (28 mi). Larger metros often have more branches, but online lenders reach Woodbine on the same terms.
• Smaller places close by: Logan (7 mi); Magnolia (9 mi); Dunlap (10 mi).
• Smaller places within 50 miles: 105 of them.
• At 100 miles: 79 larger Census places fall inside that radius.

Borrowing reach in Woodbine

At roughly 1,037 people per square mile, Woodbine is moderately settled; 21 larger places lie within 50 miles. Lenders licensed in Iowa reach Woodbine's 1,718 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Missouri Valley, IA about 16 miles away.

The anatomy of a Woodbine personal loan

Woodbine is a small community of about 1,718 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Woodbine. A longer term lowers the monthly payment on a Woodbine loan but raises total interest, so the smallest payment is not the cheapest loan.

How Woodbine compares across Iowa

Among Iowa's 940 places, Woodbine sits at 184th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Woodbine stands 30th among Iowa's 940 places — roughly the 97th percentile. At about 1,037 people per square mile, Woodbine is the 248th most densely settled place in Iowa. Between 2020 and 2023 the count changed by roughly 88 residents.

Which Iowa laws govern a loan in Woodbine

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

What to do before borrowing in Woodbine

Before you apply in Woodbine, a community of about 1,718, work through these steps:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Model the payment on the calculator before a lender models it for you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Confirm the Iowa licence with the regulator named above before committing.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Make sure the new payment leaves room in a budget you already keep.
7. Pick the shortest term whose payment you can comfortably afford.

In Woodbine as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 1,718 residents.