Personal loans in Buffalo, IA

Buffalo is home to roughly 1,164 people and stands 245th by size out of 940 Census places in Iowa. Judge Buffalo offers on total cost, not on how quickly the money arrives. Rate ceilings, licensing requirements and product limits for Buffalo are all set at the Iowa level. The closest larger city is Blue Grass, IA about 3 miles away.

Buffalo by the numbers

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

• Population: 1,164 — Buffalo ranks 245th of 940 communities in Iowa (US Census Bureau, Vintage 2023).
• Population trend: Lower by roughly 1.4% since the 2020 count.
• People gained or lost: about 17 fewer since the 2020 base.
• Size percentile: Buffalo sits ahead of around 74% of Iowa places, at 1,164 people.
• Population density: 172 people per square mile on 6.8 square miles of land.
• By land area: Buffalo ranks 54th among Iowa's 940 places, at 6.8 sq mi.
• Water area rank: Buffalo ranks 91st among Iowa's 940 places, with 0.04 sq mi.
• Within Iowa: about 0.0% of the state's population lives in Buffalo.
• National standing: Buffalo ranks 9,669th of 19,457 US places.
• Growth rank: Buffalo's 2020-to-2023 change ranks 518th of 940 places in Iowa.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Buffalo's 1.4%.
• Density in Iowa: Buffalo ranks 849th by people per square mile.
• Density vs Iowa: Buffalo's 172 people per square mile compare with a state median of 672.
• Location: 41.4613, -90.7689 (US Census Bureau Gazetteer).
• Nearest larger cities: Blue Grass (3 mi); Walcott (9 mi); Rock Island (10 mi); Davenport (11 mi); Milan (11 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller places: Andalusia (3 mi); Stockton (10 mi); Reynolds (10 mi).
• Within a 50-mile radius: 98 smaller Census places.
• Larger places within 100 miles: 186.

Steps to take before a Buffalo loan

A sensible order of operations for a loan in Buffalo, home to about 1,164 people:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Look the lender up in the Iowa regulator's licence records before you sign.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Test the payment against your current bills before you commit.

What differs between Buffalo and the rest of Iowa is not the process but the borrower's own file, among the 1,164 people here.

How lenders reach Buffalo

Buffalo is a lightly settled community of about 1,164 people, with 58 larger places inside a 50-mile radius. Distance to a branch rarely matters for Buffalo's 1,164 residents: the application is online and the price follows your credit file. The nearest bigger place is Blue Grass, IA about 3 miles away.

What shapes a Buffalo personal loan

A Buffalo personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,164 residents. Federal Truth in Lending rules require a Buffalo lender to disclose the APR and finance charge before you sign. The term you choose in Buffalo decides the split between a comfortable payment and the total interest you pay.

Iowa consumer-lending rules applied in Buffalo

The rows below set out what a licensed lender must follow in Iowa, and so for Buffalo's roughly 1,164 residents.

Buffalo: area, density and distance

Buffalo's land area is about 6.8 square miles; a further 0.04 square miles is water. Spread across it are roughly 172 residents per square mile. The largest place in Iowa, Des Moines, lies about 147 miles away. Within 50 miles of Buffalo there are 58 larger Census places. By land area it ranks 54th of 940 Iowa places.