Personal loans in Coon Rapids, IA

At about 1,268 residents, Coon Rapids is larger than roughly 76% of the places in Iowa. For a bigger market, look to Guthrie Center, IA about 16 miles away. Rate ceilings, licensing requirements and product limits for Coon Rapids are all set at the Iowa level. Read the disclosure for an origination fee and any prepayment penalty before signing in Coon Rapids.

Coon Rapids: population, trend and location

Here is the sourced Census picture for Coon Rapids, plus the Iowa lending rules that apply to a loan taken out here.

• Population: a Census-estimated 1,268, 230th among Iowa's 940 places (Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 2.8%.
• Net change: roughly 37 fewer people than the 2020 Census counted.
• Size percentile: roughly 76% of Iowa's places have fewer residents than Coon Rapids's 1,268.
• Population density: about 711 people per square mile (Census land area 1.8 sq mi).
• Land area: Coon Rapids covers 1.8 square miles, the 232nd-largest area among Iowa's 940 places.
• Within Iowa: about 0.0% of the state's population lives in Coon Rapids.
• National rank: Coon Rapids sits 9,342nd by population among the 19,457 places in this dataset.
• Growth in Iowa: Coon Rapids stands 790th by percentage change from 2020 to 2023, among 940 places.
• Against the state trend: Coon Rapids's 2.8% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: Coon Rapids places 444th among Iowa's places by people per square mile.
• Density vs Iowa: Coon Rapids's 711 people per square mile compare with a state median of 672.
• Location: 41.8747 / -94.6785, per the US Census Bureau Gazetteer.
• Nearest larger cities: Guthrie Center (16 mi); Carroll (17 mi); Audubon (17 mi); Jefferson (18 mi); Manning (20 mi). Larger metros often have more branches, but online lenders reach Coon Rapids on the same terms.
• Smaller places nearby: Bayard (6 mi); Dedham (8 mi); Willey (10 mi).
• Smaller places within 50 miles: 101 of them.
• At 100 miles: 125 larger Census places fall inside that radius.

How Iowa law applies in Coon Rapids

For the roughly 1,268 residents of Coon Rapids, the rules below are Iowa's own; each row carries its publisher and retrieval date.

Land, water and location for Coon Rapids

Coon Rapids's land area is roughly 1.8 square miles, and the Gazetteer records no significant water area within it. That land carries about 711 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 59 miles. Coon Rapids has 31 larger places within a 50-mile radius. Within the same 50 miles lie 101 smaller Census places.

Borrowing reach in Coon Rapids

Coon Rapids is moderately settled, with about 711 people per square mile and 31 larger places within 50 miles. Lenders licensed in Iowa reach Coon Rapids's 1,268 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Guthrie Center, IA about 16 miles away.

How a Coon Rapids personal loan is priced

A Coon Rapids personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,268 residents. Federal Truth in Lending rules require a Coon Rapids lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Coon Rapids loan is knowable in advance — unlike a revolving card balance.

Before you apply in Coon Rapids

For Coon Rapids's roughly 1,268 residents, these are the steps that most influence the offer:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Model the payment on the calculator before a lender models it for you.
3. Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
4. Verify the lender's Iowa licence with the regulator listed on this page.
5. Make sure the new payment leaves room in a budget you already keep.
6. Weigh a shorter term's higher payment against the interest it saves.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

In Coon Rapids as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 1,268 residents.