Personal loans in Cincinnati, IA

A personal loan in Cincinnati is priced from your credit file and income, not from the fact that the city holds 283 people. For the 283 people in Cincinnati, Iowa runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. If debt is already a strain, a nonprofit credit counsellor can help Cincinnati residents before they take on more. For a bigger market, look to Centerville, IA about 7 miles away.

Cincinnati: population, trend and location

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

• Population: 283 residents; Cincinnati is the 572nd-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: About 2.1% below the 2020 Census base.
• Absolute change: 6 residents lost between 2020 and 2023.
• Size percentile: with 283 residents, Cincinnati is larger than about 39% of Iowa's Census places.
• Density: the Census land area of 1.8 sq mi holds about 161 people per square mile.
• Land area rank: Cincinnati's 1.8 square miles rank 239th of 940 places in Iowa.
• Share of state population: Cincinnati's 283 residents are about 0.0% of Iowa.
• National rank: Cincinnati is the 15,317th most populous of the 19,457 Census places covered here.
• Growth rank: Cincinnati's 2020-to-2023 change ranks 650th of 940 places in Iowa.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Cincinnati's 2.1%.
• Density in Iowa: Cincinnati ranks 852nd by people per square mile.
• Density in context: Cincinnati's 161 people per square mile sit against a Iowa median of 672.
• Location: 40.6309, -92.9222 (Census Gazetteer coordinates).
• Nearest larger cities: Centerville (7 mi); Mystic (10 mi); Seymour (11 mi); Unionville (12 mi); Moulton (13 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller communities within reach: Exline (4 mi); Numa (5 mi); Plano (11 mi).
• Smaller places within 50 miles: 61 of them.
• Within 100 miles: 238 places are larger than Cincinnati.

Getting a loan in Cincinnati

With about 161 residents per square mile, Cincinnati is lightly settled, and 41 larger Census places sit within 50 miles. A Iowa licence lets a lender serve Cincinnati without a local office, so branch density does not change what its 283 residents are offered. The nearest larger city, Centerville, IA about 7 miles away.

The Cincinnati borrowing checklist

For Cincinnati's roughly 283 residents, these are the steps that most influence the offer:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Confirm the lender holds a Iowa licence by checking the regulator named above.
5. Be clear on what the loan is for and how it gets repaid.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

The process is identical across Iowa; what changes is your credit file, not the fact that Cincinnati holds 283 people.

Where Cincinnati sits

Cincinnati covers about 1.8 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 161 people per square mile. The largest place in Iowa, Des Moines, lies about 74 miles away. A 50-mile radius around Cincinnati takes in 41 places that are larger. By land area it ranks 239th of 940 Iowa places.

What Iowa law requires in Cincinnati

These are Iowa's sourced lending facts as they reach Cincinnati's 283 residents; the state has no city-level rate rule.

Cincinnati's place among Iowa's 940 places

Against Iowa's other places, Cincinnati accounts for about 0.0% of the state's population and ranks 572nd of 940 by size. For population change between 2020 and 2023, Cincinnati ranks 650th of 940 in Iowa (about the 31th percentile). Its roughly 161 residents per square mile place it 852nd among Iowa's places. Between 2020 and 2023 the count changed by roughly 6 residents.