Personal loans in Barnum, IA

What the Census records for Barnum

The figures below are Barnum's own — Census population, land area and coordinates — followed by the Iowa rules.

• Population: about 178, ranked 693rd of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: A rise of about 1.1% from 2020 to 2023.
• Net change: roughly 2 more people than the 2020 Census counted.
• Size percentile: about 26% of Iowa's Census places are smaller than Barnum.
• Land and density: 0.4 square miles of land carry roughly 476 residents per square mile.
• Land area: Barnum covers 0.4 square miles, the 740th-largest area among Iowa's 940 places.
• State share: roughly 0.0% of Iowa's residents live in Barnum (178 people).
• Nationally: Barnum is the 16,808th-largest of 19,457 Census places in the dataset.
• Growth rank: Barnum ranks 135th among Iowa's 940 places for the 2020-to-2023 change.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Barnum's 1.1%.
• Density in Iowa: Barnum ranks 620th by people per square mile.
• Against the state median: Barnum runs about 476 residents per square mile, where the Iowa median is 672.
• Location: the Census Gazetteer records it at 42.5062, -94.3657.
• Nearest larger cities: Manson (9 mi); Fort Dodge (10 mi); Callender (11 mi); Otho (12 mi); Badger (13 mi). Larger metros often have more branches, but online lenders reach Barnum on the same terms.
• Smaller communities close by: Clare (6 mi); Moorland (6 mi); Knierim (6 mi), each with its own Census population profile.
• Smaller neighbours: 48 places smaller than Barnum sit within 50 miles.
• Larger places within 100 miles: 387.

What a Barnum borrower is actually offered

Barnum is a small community of about 178 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Barnum can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Barnum loan is knowable in advance — unlike a revolving card balance.

Barnum's place among Iowa's 940 places

Against Iowa's other places, Barnum accounts for about 0.0% of the state's population and ranks 693rd of 940 by size. For population change between 2020 and 2023, Barnum ranks 135th of 940 in Iowa (about the 86th percentile). By density, at about 476 people per square mile, it ranks 620th in Iowa. The population moved by about 2 people between 2020 and 2023, a 1.1% shift.

How Iowa law applies in Barnum

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

A practical checklist for Barnum borrowers

Complete these steps first when you borrow in Barnum (178 residents):

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Confirm the Iowa licence with the regulator named above before committing.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Test the payment against your current bills before you commit.

In Barnum as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 178 residents.

Land, water and location for Barnum

Barnum's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 476 residents per square mile. For the state's biggest city, Des Moines, the distance is roughly 75 miles. A 50-mile radius around Barnum takes in 88 places that are larger. Within the same 50 miles lie 48 smaller Census places.