Personal loans in Clemons, IA

Local context for Clemons

Two layers matter for a Clemons borrower: the local population picture and Iowa's consumer-lending statutes.

• Population: the Census counts 133 residents in Clemons (Vintage 2023 subcounty estimate), the 767th-largest figure among Iowa's 940 places.
• Population trend: The 2020-to-2023 change is negative, near 2.2%.
• Change in people: the 2020-to-2023 comparison is a loss of about 3 residents.
• Size percentile: roughly 18% of Iowa's places have fewer residents than Clemons's 133.
• Population density: about 532 people per square mile across 0.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Clemons's 0.2 square miles rank 828th of 940 places in Iowa.
• State share: roughly 0.0% of Iowa's residents live in Clemons (133 people).
• National rank: Clemons is 17,553rd of 19,457 places nationwide.
• Growth rank: Clemons's 2020-to-2023 change ranks 680th of 940 places in Iowa.
• Versus Iowa: the state average change is -0.7%, while Clemons moved 2.2%.
• Density rank: Clemons places 580th among Iowa's places by people per square mile.
• Density vs Iowa: Clemons's 532 people per square mile compare with a state median of 672.
• Location: the Census Gazetteer records it at 42.1139, -93.1587.
• Nearest larger cities: State Center (7 mi); Zearing (8 mi); Albion (9 mi); Liscomb (9 mi); Union (10 mi). For most borrowers the comparison happens online, not at a branch.
• Nearest smaller towns: St. Anthony (2 mi); Whitten (13 mi); Ferguson (19 mi).
• Within a 50-mile radius: 18 smaller Census places.
• At 100 miles: 447 larger Census places fall inside that radius.

Iowa rules behind a Clemons personal loan

This table holds the Iowa rate and licensing rules for consumer loans made to Clemons's 133 residents.

The Clemons borrowing checklist

These steps shape the offer you get in Clemons, a place of about 133 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Test your amount and term in the personal loan calculator first.
3. Shop at least three lenders and judge them on APR and total cost.
4. Check the Iowa regulator's records to confirm the lender is licensed here.
5. Look for an origination fee or prepayment penalty in the written disclosure.
6. Test the payment against your current bills before you commit.
7. Choose a term you can live with; stretching it lowers the payment but raises total interest.

What differs between Clemons and the rest of Iowa is not the process but the borrower's own file, among the 133 people here.

Land, water and location for Clemons

The Census Gazetteer records about 0.2 square miles of land within Clemons, with no significant water area listed. With 133 residents, the land area yields roughly 532 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 44 miles. Counting outward 50 miles, 122 larger communities surround Clemons. Within the same 50 miles lie 18 smaller Census places.

Clemons's place among Iowa's 940 places

Set beside Iowa's 940 places, Clemons ranks 767th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 680th of 940 Iowa places, putting it near the 28th percentile for growth. Its roughly 532 residents per square mile place it 580th among Iowa's places. In land area, Clemons ranks 828th among Iowa's 940 places.

Getting a loan in Clemons

With about 532 residents per square mile, Clemons is moderately settled, and 122 larger Census places sit within 50 miles. Lenders licensed in Iowa reach Clemons's 133 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is State Center, IA about 7 miles away.