Personal loans in Churdan, IA
The roughly 357 people who live in Churdan borrow under Iowa rules; city hall sets no personal-loan rate. With an estimated 357 residents, Churdan is the 521st-largest of 940 places in Iowa.
Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Churdan loan. A 2020-to-2023 comparison shows Churdan down by about 2.5%. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Churdan's 357 residents. The next larger city is Lohrville, IA about 9 miles away.
Churdan: the sourced local profile
Churdan is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: an estimated 357 residents, 521st of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 2.5% fewer residents than the 2020 Census counted.
- People gained or lost: about 9 fewer since the 2020 base.
- Size percentile: Churdan sits ahead of around 45% of Iowa places, at 357 people.
- Population density: 172 people per square mile on 2.1 square miles of land.
- Land area: Churdan covers 2.1 square miles, the 197th-largest area among Iowa's 940 places.
- State share: roughly 0.0% of Iowa's residents live in Churdan (357 people).
- Nationally: Churdan is the 14,527th-largest of 19,457 Census places in the dataset.
- Growth rank: Churdan's 2020-to-2023 change ranks 728th of 940 places in Iowa.
- Versus Iowa: the state average change is -0.7%, while Churdan moved 2.5%.
- Density rank: Churdan is the 848th most densely settled place in Iowa.
- Density vs Iowa: Churdan's 172 people per square mile compare with a state median of 672.
- Location: mapped by the US Census Bureau at 42.1541, -94.4779.
- Nearest larger cities: Lohrville (9 mi); Farnhamville (9 mi); Scranton (10 mi); Jefferson (11 mi); Gowrie (13 mi). A branch is convenient; it is not what sets your APR.
- Smaller places close by: Ralston (11 mi); Lanesboro (11 mi); Paton (11 mi).
- Smaller neighbours: 61 places smaller than Churdan sit within 50 miles.
- Within 100 miles: 272 places are larger than Churdan.
Churdan: area, density and distance
Inside Churdan's boundaries lie about 2.1 square miles of land, with no significant water area recorded. The resulting density is about 172 people per square mile. The largest place in Iowa, Des Moines, lies about 60 miles away. Within 50 miles of Churdan there are 79 larger Census places. Within the same 50 miles lie 61 smaller Census places.
How Iowa law applies in Churdan
When Iowa does not publish a figure, the row links to the source instead of inventing a number; Churdan is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Iowa Division of Banking (IDOB), Iowa Department of Insurance and Financial Services Source says: "As part of the 2023 state government realignment, the IDOB became part of a new Department of Insurance and Financial Services". | Iowa Division of Banking as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 2 percentage points above the monthly average 10-year U.S. Treasury constant maturity rate (written agreements) Source says: "The maximum lawful rate of interest ... in any written agreement ... shall be two percentage points above the monthly average ten-year constant maturity interest rate". | Iowa Legislature (Iowa Code) as of 2026-09-16 |
| Payday lending status | Permitted under license (delayed deposit services; must be physically located in Iowa) Source says: "A person shall not operate a delayed deposit services business in this state unless the person is physically located in this state and licensed by the superintendent". | Iowa Legislature (Iowa Code) as of 2026-09-16 |
How lenders reach Churdan
At roughly 172 people per square mile, Churdan is lightly settled; 79 larger places lie within 50 miles. Whether Churdan has a local branch or not, a Iowa-licensed lender can serve its 357 people online on the same terms. The nearest bigger place is Lohrville, IA about 9 miles away.
Inside a Churdan personal loan
Most loans made to Churdan's 357 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Churdan can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Churdan loan is knowable in advance — unlike a revolving card balance.
Where Churdan sits in Iowa
Set beside Iowa's 940 places, Churdan ranks 521st by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Churdan stands 728th among Iowa's 940 places — roughly the 23th percentile. At about 172 people per square mile, Churdan is the 848th most densely settled place in Iowa. Within 50 miles sit 61 smaller Census places, alongside the 79 that are larger.
Common questions
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Nearby places
- Lohrville, IA — population 370
- Farnhamville, IA — population 370
- Scranton, IA — population 492
- Jefferson, IA — population 4,100
- Rinard, IA — population 35
- Ralston, IA — population 77
- Lanesboro, IA — population 114
- Paton, IA — population 218