Personal loans in Beacon, IA

What the Census records for Beacon

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

• Population: a Census-estimated 431, 470th among Iowa's 940 places (Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 0.9%.
• Absolute change: 4 residents lost between 2020 and 2023.
• Size percentile: roughly 50% of Iowa places rank below Beacon.
• Population density: about 555 people per square mile (Census land area 0.8 sq mi).
• By land area: Beacon ranks 485th among Iowa's 940 places, at 0.8 sq mi.
• State share: roughly 0.0% of Iowa's residents live in Beacon (431 people).
• Nationally: Beacon is the 13,770th-largest of 19,457 Census places in the dataset.
• Growth in Iowa: Beacon stands 408th by percentage change from 2020 to 2023, among 940 places.
• Versus Iowa: the state average change is -0.7%, while Beacon moved 0.9%.
• Density in Iowa: Beacon ranks 559th by people per square mile.
• Density vs Iowa: Beacon's 555 people per square mile compare with a state median of 672.
• Location: the Census Gazetteer records it at 41.2761, -92.6810.
• Nearest larger cities: Oskaloosa (2 mi); University Park (3 mi); Eddyville (8 mi); New Sharon (13 mi); Fremont (14 mi). Lenders licensed in the state serve Beacon whether or not they keep a local branch.
• Smaller towns nearby: Leighton (7 mi); Keomah Village (8 mi); Bussey (12 mi).
• Smaller places within 50 miles: 70 of them.
• At 100 miles: 255 larger Census places fall inside that radius.

What is available to Beacon borrowers

With about 555 residents per square mile, Beacon is moderately settled, and 57 larger Census places sit within 50 miles. What is available to Beacon's 431 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Oskaloosa, IA about 2 miles away.

How Iowa law applies in Beacon

Iowa has no separate rate rule for Beacon; the sourced rows below are what reach every lender that serves its 431 people.

Before you apply in Beacon

Complete these steps first when you borrow in Beacon (431 residents):

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Model the payment on the calculator before a lender models it for you.
3. Line up several pre-qualified offers and let the APR decide.
4. Make sure the lender appears in the Iowa regulator's licence list.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

The process is identical across Iowa; what changes is your credit file, not the fact that Beacon holds 431 people.

Land, water and location for Beacon

Beacon covers about 0.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 555 people per square mile. Des Moines, the largest place in Iowa, is about 52 miles from Beacon. A 50-mile radius around Beacon takes in 57 places that are larger. By land area it ranks 485th of 940 Iowa places.

Inside a Beacon personal loan

Most loans made to Beacon's 431 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Federal Truth in Lending rules require a Beacon lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Beacon loan is knowable in advance — unlike a revolving card balance.