Personal loans in Bertram, IA

The Census estimates 267 residents in Bertram, which ranks it 586th of 940 places in Iowa. The closest larger city is Ely, IA about 6 miles away. Rate ceilings, licensing requirements and product limits for Bertram are all set at the Iowa level. Begin with the payment, then weigh APR and total interest across the lenders that reach Bertram's 267 residents.

Local context for Bertram

Two layers matter for a Bertram borrower: the local population picture and Iowa's consumer-lending statutes.

• Population: the Census counts 267 residents in Bertram (Vintage 2023 subcounty estimate), the 586th-largest figure among Iowa's 940 places.
• Population trend: About 1.1% below the 2020 Census base.
• People gained or lost: about 3 fewer since the 2020 base.
• Size percentile: about 38% of Iowa's Census places are smaller than Bertram.
• Population density: about 174 people per square mile (Census land area 1.5 sq mi).
• By land area: Bertram ranks 261st among Iowa's 940 places, at 1.5 sq mi.
• State share: roughly 0.0% of Iowa's residents live in Bertram (267 people).
• Nationally: Bertram is the 15,522nd-largest of 19,457 Census places in the dataset.
• Growth rank: Bertram ranks 441st among Iowa's 940 places for the 2020-to-2023 change.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Bertram's 1.1%.
• Density in Iowa: Bertram ranks 846th by people per square mile.
• Against the state median: Bertram runs about 174 residents per square mile, where the Iowa median is 672.
• Location: latitude 41.9517, longitude -91.5378 (Census Gazetteer).
• Nearest larger cities: Ely (6 mi); Mount Vernon (6 mi); Marion (7 mi); Cedar Rapids (7 mi); Lisbon (8 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller places: Martelle (10 mi); Morley (15 mi); Prairieburg (21 mi).
• Smaller places within 50 miles: 41 of them.
• Within 100 miles: 380 places are larger than Bertram.

How lenders reach Bertram

At roughly 174 people per square mile, Bertram is lightly settled; 104 larger places lie within 50 miles. Lenders licensed in Iowa reach Bertram's 267 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Ely, IA about 6 miles away.

Which Iowa laws govern a loan in Bertram

The rows below set out what a licensed lender must follow in Iowa, and so for Bertram's roughly 267 residents.

Land, water and location for Bertram

Bertram covers about 1.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 267 residents, the land area yields roughly 174 people per square mile. The state's population centre of gravity, Des Moines, is roughly 110 miles away. Counting outward 50 miles, 104 larger communities surround Bertram. By land area it ranks 261st of 940 Iowa places.

Bertram in state context

Among Iowa's 940 places, Bertram sits at 586th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Bertram ranks 441st of 940 in Iowa (about the 53th percentile). By density, at about 174 people per square mile, it ranks 846th in Iowa. Between 2020 and 2023 the count changed by roughly 3 residents.

How a Bertram personal loan is priced

Bertram is a small community of about 267 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Bertram's rank of 586th in Iowa: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Bertram loan raises the monthly payment but cuts the interest; lengthening it does the reverse.