Personal loans in Clare, IA

Clare by the numbers

Read the local figures below as context; read the sourced Iowa table as the rulebook a lender here must follow.

• Population: a Census-estimated 136, 760th among Iowa's 940 places (Vintage 2023).
• Population trend: A drop of about 2.9% from 2020 to 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 4 residents.
• Size percentile: roughly 19% of Iowa's places have fewer residents than Clare's 136.
• Population density: about 274 people per square mile across 0.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Clare ranks 661st among Iowa's 940 places, at 0.5 sq mi.
• State share: roughly 0.0% of Iowa's residents live in Clare (136 people).
• National standing: Clare ranks 17,495th of 19,457 US places.
• Growth rank: Clare ranks 793rd among Iowa's 940 places for the 2020-to-2023 change.
• Versus Iowa: the state average change is -0.7%, while Clare moved 2.9%.
• Density rank: Clare is the 758th most densely settled place in Iowa.
• Against the state median: Clare runs about 274 residents per square mile, where the Iowa median is 672.
• Location: it lies at 42.5874, -94.3444 in the Census Gazetteer.
• Nearest larger cities: Barnum (6 mi); Fort Dodge (10 mi); Badger (10 mi); Moorland (10 mi); Gilmore City (11 mi). Living near a larger metro rarely changes what is available in Clare.
• Smaller places nearby: Knierim (11 mi); Rutland (12 mi); Somers (15 mi).
• Smaller places within 50 miles: 30 of them.
• At 100 miles: 430 larger Census places fall inside that radius.

Land, water and location for Clare

Clare's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. With 136 residents, the land area yields roughly 274 people per square mile. The state's population centre of gravity, Des Moines, is roughly 80 miles away. A 50-mile radius around Clare takes in 101 places that are larger. The 100-mile radius contains 430 larger places.

A practical checklist for Clare borrowers

Before you hand your details to a lender in Clare, where the population is near 136:

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Test your amount and term in the personal loan calculator first.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Confirm the Iowa licence with the regulator named above before committing.
5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
7. Decide the purpose and how you will repay it before approaching any lender.

What differs between Clare and the rest of Iowa is not the process but the borrower's own file, among the 136 people here.

What a Clare borrower is actually offered

A Clare personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 136 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Clare. Shortening the term on a Clare loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Iowa consumer-lending rules applied in Clare

When Iowa does not publish a figure, the row links to the source instead of inventing a number; Clare is bound by the same rules.

How lenders reach Clare

At roughly 274 people per square mile, Clare is lightly settled; 101 larger places lie within 50 miles. Distance to a branch rarely matters for Clare's 136 residents: the application is online and the price follows your credit file. The nearest bigger place is Barnum, IA about 6 miles away.