Personal loans in Carter Lake, IA

Where Carter Lake stands

What follows is Carter Lake's place in the Census record, alongside the Iowa rules that govern a personal loan made here.

• Population: 3,759 people, a figure that places Carter Lake 106th among the 940 Census places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: Lower by roughly 0.9% since the 2020 count.
• Change in people: the 2020-to-2023 comparison is a loss of about 33 residents.
• Size percentile: about 89% of Iowa communities are smaller than Carter Lake (3,759 residents).
• Population density: 2,095 people per square mile on 1.8 square miles of land.
• Land area rank: Carter Lake's 1.8 square miles rank 228th of 940 places in Iowa.
• Water area: Carter Lake has 0.22 square miles of water, ranking 35th of 940 places in Iowa.
• Within Iowa: about 0.1% of the state's population lives in Carter Lake.
• National standing: Carter Lake ranks 5,618th of 19,457 US places.
• Growth rank: Carter Lake's 2020-to-2023 change ranks 401st of 940 places in Iowa.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Carter Lake's 0.9%.
• Density rank: Carter Lake is the 19th most densely settled place in Iowa.
• Density in context: Carter Lake's 2,095 people per square mile sit against a Iowa median of 672.
• Location: latitude 41.2885, longitude -95.9169 (Census Gazetteer).
• Nearest larger cities: Council Bluffs (5 mi); Omaha (7 mi); Ralston (9 mi); Bellevue (10 mi); La Vista (11 mi). Larger metros often have more branches, but online lenders reach Carter Lake on the same terms.
• Smaller places nearby: Crescent (6 mi); Boys Town (11 mi); McClelland (13 mi).
• Smaller neighbours: 113 places smaller than Carter Lake sit within 50 miles.
• At 100 miles: 38 larger Census places fall inside that radius.

Carter Lake against the rest of Iowa

Among Iowa's 940 places, Carter Lake sits at 106th for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Carter Lake stands 401st among Iowa's 940 places — roughly the 57th percentile. At about 2,095 people per square mile, Carter Lake is the 19th most densely settled place in Iowa. By land area, its 1.8 square miles rank 228th of 940 places in Iowa.

How Iowa law applies in Carter Lake

This table holds the Iowa rate and licensing rules for consumer loans made to Carter Lake's 3,759 residents.

Land, water and location for Carter Lake

Carter Lake covers about 1.8 square miles of land, with 0.22 square miles of water inside its boundaries (Census Gazetteer). That land carries about 2,095 people per square mile. The largest place in Iowa, Des Moines, lies about 121 miles away. Within 50 miles of Carter Lake there are 18 larger Census places. Within the same 50 miles lie 113 smaller Census places.

What shapes a Carter Lake personal loan

Carter Lake is a small community of about 3,759 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Carter Lake lender to disclose the APR and finance charge before you sign. The term you choose in Carter Lake decides the split between a comfortable payment and the total interest you pay.

How lenders reach Carter Lake

With about 2,095 residents per square mile, Carter Lake is fairly dense, and 18 larger Census places sit within 50 miles. Whether Carter Lake has a local branch or not, a Iowa-licensed lender can serve its 3,759 people online on the same terms. The nearest larger city, Council Bluffs, IA about 5 miles away.