Personal loans in Clio, IA

Clio, Iowa — home to about 67 people — is a small community, so the terms you are offered follow Iowa law rather than any local rule. By population, Clio sits at 871st in Iowa, with an estimated 67 residents.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

The 2020 count to the 2023 estimate shows about 1.5% growth in Clio. Rate ceilings, licensing requirements and product limits for Clio are all set at the Iowa level. Decide the purpose of the loan and your repayment plan before sharing any details with a Clio lender. The closest larger city is Lineville, IA about 5 miles away.

The Clio data picture

What follows is Clio's place in the Census record, alongside the Iowa rules that govern a personal loan made here.

How lenders reach Clio

Clio is sparsely settled, with about 90 people per square mile and 81 larger places within 50 miles. What is available to Clio's 67 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Lineville, IA about 5 miles away.

Inside a Clio personal loan

With roughly 67 residents, Clio is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Clio. Because the payment is fixed, the total cost of a Clio loan is knowable in advance — unlike a revolving card balance.

Where Clio sits

Clio's land area is roughly 0.7 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 90 people per square mile. Des Moines, the largest place in Iowa, is about 65 miles from Clio. Counting outward 50 miles, 81 larger communities surround Clio. By land area it ranks 515th of 940 Iowa places.

Clio against the rest of Iowa

Within Iowa, Clio holds roughly 0.0% of all residents, the 871st-largest share among 940 places. For population change between 2020 and 2023, Clio ranks 109th of 940 in Iowa (about the 88th percentile). At about 90 people per square mile, Clio is the 910th most densely settled place in Iowa. Within 50 miles sit 25 smaller Census places, alongside the 81 that are larger.

The state rulebook for Clio

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

RuleDetailSource
State lending regulatorIowa 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
Payday lending statusPermitted 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
Small-loan / installment lender licensingRegulated Loan Act license required (superintendent of banking)
Source says: "shall not engage in the business of making loans ... without first obtaining a license from the superintendent of banking".
Iowa Legislature (Iowa Code)
as of 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Clio if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Clio is the same as anywhere in Iowa.
What loan size can I expect in Clio?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Clio?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Clio cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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