Personal loans in Clear Lake, IA

The Clear Lake data picture

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

• Population: an estimated 7,567 residents, 53rd of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: A loss of roughly 1.4% between 2020 and 2023.
• Change in people: the 2020-to-2023 comparison is a loss of about 109 residents.
• Size percentile: bigger than about 94% of the places in Iowa, with 7,567 residents in Clear Lake.
• Density: the Census land area of 10.8 sq mi holds about 702 people per square mile.
• By land area: Clear Lake ranks 35th among Iowa's 940 places, at 10.8 sq mi.
• Water area: Clear Lake has 2.59 square miles of water, ranking 4th of 940 places in Iowa.
• Share of state population: Clear Lake's 7,567 residents are about 0.3% of Iowa.
• National rank: Clear Lake is the 3,805th most populous of the 19,457 Census places covered here.
• Growth rank: Clear Lake ranks 514th among Iowa's 940 places for the 2020-to-2023 change.
• Against the state trend: Clear Lake's 1.4% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: Clear Lake is the 449th most densely settled place in Iowa.
• Against the state median: Clear Lake runs about 702 residents per square mile, where the Iowa median is 672.
• Location: 43.1351, -93.3737 (US Census Bureau Gazetteer).
• Nearest larger cities: Mason City (9 mi); Albert Lea (36 mi); Austin (42 mi); Webster City (52 mi); Waverly (54 mi). Living near a larger metro rarely changes what is available in Clear Lake.
• Smaller communities close by: Ventura (5 mi); Fertile (9 mi); Hanlontown (10 mi), each with its own Census population profile.
• Within a 50-mile radius: 125 smaller Census places.
• At 100 miles: 28 larger Census places fall inside that radius.

What shapes a Clear Lake personal loan

In Clear Lake, a small town of about 7,567, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Clear Lake loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Clear Lake loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Clear Lake in state context

Within Iowa, Clear Lake holds roughly 0.3% of all residents, the 53rd-largest share among 940 places. On the 2020-to-2023 trend, Clear Lake stands 514th among Iowa's 940 places — roughly the 45th percentile. By density, at about 702 people per square mile, it ranks 449th in Iowa. The population moved by about 109 people between 2020 and 2023, a 1.4% shift.

Clear Lake on the map

Clear Lake covers about 10.8 square miles of land, with 2.59 square miles of water inside its boundaries (Census Gazetteer). That land carries about 702 people per square mile. Des Moines, the largest place in Iowa, is about 109 miles from Clear Lake. Within 50 miles of Clear Lake there are 3 larger Census places. Within the same 50 miles lie 125 smaller Census places.

A pre-application checklist for Clear Lake

Before you hand your details to a lender in Clear Lake, where the population is near 7,567:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Line up several pre-qualified offers and let the APR decide.
4. Verify the lender's Iowa licence with the regulator listed on this page.
5. Be clear on what the loan is for and how it gets repaid.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

What differs between Clear Lake and the rest of Iowa is not the process but the borrower's own file, among the 7,567 people here.

Iowa consumer-lending rules applied in Clear Lake

Below are the Iowa rules that apply to a loan made in Clear Lake, each with the regulator that issued it.