Personal loans in Blencoe, IA

At about 227 residents, Blencoe is larger than roughly 33% of the places in Iowa. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Blencoe's 227 residents. Population in Blencoe dropped about 2.6% over the three years from 2020 to 2023. The nearest larger city is Onawa, IA about 7 miles away.

Where Blencoe stands

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

• Population: an estimated 227 residents, 634th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is negative, near 2.6%.
• Net change: roughly 6 fewer people than the 2020 Census counted.
• Size percentile: about 33% of Iowa communities are smaller than Blencoe (227 residents).
• Population density: about 299 people per square mile (Census land area 0.8 sq mi).
• By land area: Blencoe ranks 492nd among Iowa's 940 places, at 0.8 sq mi.
• Share of Iowa: Blencoe holds about 0.0% of the state's population, some 227 people.
• National standing: Blencoe ranks 16,057th of 19,457 US places.
• Growth in Iowa: Blencoe stands 752nd by percentage change from 2020 to 2023, among 940 places.
• Against the state trend: Blencoe's 2.6% change compares with a Iowa average of -0.7% across its 940 places.
• Density in Iowa: Blencoe ranks 738th by people per square mile.
• Against the state median: Blencoe runs about 299 residents per square mile, where the Iowa median is 672.
• Location: 41.9303 / -96.0821, per the US Census Bureau Gazetteer.
• Nearest larger cities: Onawa (7 mi); Decatur (10 mi); Pisgah (11 mi); Tekamah (13 mi); Whiting (14 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller communities close by: Turin (9 mi); Little Sioux (9 mi); Moorhead (12 mi), each with its own Census population profile.
• Smaller places within 50 miles: 31 of them.
• Within 100 miles: 304 places are larger than Blencoe.

How Blencoe compares across Iowa

Against Iowa's other places, Blencoe accounts for about 0.0% of the state's population and ranks 634th of 940 by size. Its 2020-to-2023 change ranks 752nd of 940 Iowa places, putting it near the 20th percentile for growth. Its roughly 299 residents per square mile place it 738th among Iowa's places. The population moved by about 6 people between 2020 and 2023, a 2.6% shift.

The anatomy of a Blencoe personal loan

A Blencoe personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 227 residents. Federal Truth in Lending rules require a Blencoe lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Blencoe loan but raises total interest, so the smallest payment is not the cheapest loan.

A practical checklist for Blencoe borrowers

Complete these steps first when you borrow in Blencoe (227 residents):

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Test your amount and term in the personal loan calculator first.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Make sure the lender appears in the Iowa regulator's licence list.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Make sure the new payment leaves room in a budget you already keep.
7. Weigh a shorter term's higher payment against the interest it saves.

None of these steps is Blencoe-specific: the same Iowa licensing and disclosure rules reach all 227 residents.

Borrowing reach in Blencoe

With about 299 residents per square mile, Blencoe is lightly settled, and 88 larger Census places sit within 50 miles. Distance to a branch rarely matters for Blencoe's 227 residents: the application is online and the price follows your credit file. The nearest larger city, Onawa, IA about 7 miles away.

The Iowa lending rules that reach Blencoe

When Iowa does not publish a figure, the row links to the source instead of inventing a number; Blencoe is bound by the same rules.