Personal loans in Centralia, IA

Begin with the payment, then weigh APR and total interest across the lenders that reach Centralia's 117 residents. With an estimated 117 residents, Centralia is the 792nd-largest of 940 places in Iowa. Consumer lending that reaches Centralia's 117 residents is governed by Iowa statute; no city ordinance changes it. A 2020-to-2023 comparison shows Centralia up by about 0.9%. A larger market lies at Peosta, IA about 2 miles away.

Borrowing in Centralia: the local picture

Set out below is Centralia's local context next to the state-level rules that reach every lender here.

• Population: 117 people, a figure that places Centralia 792nd among the 940 Census places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: A gain of roughly 0.9% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a gain of about 1 residents.
• Size percentile: with 117 residents, Centralia is larger than about 16% of Iowa's Census places.
• Density: roughly 188 residents per square mile, spread over 0.6 sq mi of land.
• Land area rank: Centralia's 0.6 square miles rank 564th of 940 places in Iowa.
• State population share: Centralia accounts for about 0.0% of everyone in Iowa.
• National rank: Centralia is the 17,823rd most populous of the 19,457 Census places covered here.
• Growth rank: Centralia's 2020-to-2023 change ranks 159th of 940 places in Iowa.
• Versus Iowa: the state average change is -0.7%, while Centralia moved 0.9%.
• Density rank: Centralia places 831st among Iowa's places by people per square mile.
• Density in context: Centralia's 188 people per square mile sit against a Iowa median of 672.
• Location: 42.4723 / -90.8362, per the US Census Bureau Gazetteer.
• Nearest larger cities: Peosta (2 mi); Asbury (4 mi); Epworth (5 mi); Dubuque (7 mi); Rickardsville (8 mi). Living near a larger metro rarely changes what is available in Centralia.
• Nearest smaller towns: Graf (2 mi); Bankston (7 mi); Durango (7 mi).
• Smaller places within 50 miles: 20 of them.
• Within 100 miles: 499 places are larger than Centralia.

The geography behind Centralia

The Census Gazetteer records about 0.6 square miles of land within Centralia, with no significant water area listed. The resulting density is about 188 people per square mile. Des Moines, the largest place in Iowa, is about 155 miles from Centralia. A 50-mile radius around Centralia takes in 120 places that are larger. By land area it ranks 564th of 940 Iowa places.

Before you apply in Centralia

For Centralia's roughly 117 residents, these are the steps that most influence the offer:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Model the payment on the calculator before a lender models it for you.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Check the Iowa regulator's records to confirm the lender is licensed here.
5. Test the payment against your current bills before you commit.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

None of these steps is Centralia-specific: the same Iowa licensing and disclosure rules reach all 117 residents.

Which Iowa laws govern a loan in Centralia

The rows below set out what a licensed lender must follow in Iowa, and so for Centralia's roughly 117 residents.

How lenders reach Centralia

Centralia is a lightly settled community of about 117 people, with 120 larger places inside a 50-mile radius. Lenders licensed in Iowa reach Centralia's 117 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Peosta, IA about 2 miles away.

Where Centralia sits in Iowa

Against Iowa's other places, Centralia accounts for about 0.0% of the state's population and ranks 792nd of 940 by size. On the 2020-to-2023 trend, Centralia stands 159th among Iowa's 940 places — roughly the 83th percentile. Its roughly 188 residents per square mile place it 831st among Iowa's places. The population moved by about 1 people between 2020 and 2023, a 0.9% shift.