Personal loans in Cotter, IA

What the Census records for Cotter

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

• Population: the Census counts 37 residents in Cotter (Vintage 2023 subcounty estimate), the 915th-largest figure among Iowa's 940 places.
• Population trend: Down about 2.6% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 1 fewer since the 2020 base.
• Size percentile: bigger than about 3% of the places in Iowa, with 37 residents in Cotter.
• Population density: 378 people per square mile on 0.1 square miles of land.
• Land area rank: Cotter's 0.1 square miles rank 922nd of 940 places in Iowa.
• State share: roughly 0.0% of Iowa's residents live in Cotter (37 people).
• National rank: Cotter sits 19,143rd by population among the 19,457 places in this dataset.
• Growth in Iowa: Cotter stands 764th by percentage change from 2020 to 2023, among 940 places.
• Versus Iowa: the state average change is -0.7%, while Cotter moved 2.6%.
• Density in Iowa: Cotter ranks 676th by people per square mile.
• Density vs Iowa: Cotter's 378 people per square mile compare with a state median of 672.
• Location: mapped by the US Census Bureau at 41.2925, -91.4620.
• Nearest larger cities: Ainsworth (5 mi); Columbus City (5 mi); Columbus Junction (5 mi); Fredonia (6 mi); Crawfordsville (7 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller communities within reach: Coppock (16 mi); Granger (63 mi); Arbela (64 mi).
• Smaller neighbours: 1 places smaller than Cotter sit within 50 miles.
• At 100 miles: 529 larger Census places fall inside that radius.

Cotter: area, density and distance

The Census Gazetteer records about 0.1 square miles of land within Cotter, with no significant water area listed. With 37 residents, the land area yields roughly 378 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 113 miles. Within 50 miles of Cotter there are 139 larger Census places. Within the same 50 miles lie 1 smaller Census places.

The state rulebook for Cotter

The rows below set out what a licensed lender must follow in Iowa, and so for Cotter's roughly 37 residents.

How personal loans work in Cotter

With roughly 37 residents, Cotter is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Cotter's rank of 915th in Iowa: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Cotter loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

A pre-application checklist for Cotter

These steps shape the offer you get in Cotter, a place of about 37 people:

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. Make sure the lender appears in the Iowa regulator's licence list.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Make sure the new payment leaves room in a budget you already keep.
7. Pick the shortest term whose payment you can comfortably afford.

What differs between Cotter and the rest of Iowa is not the process but the borrower's own file, among the 37 people here.

How lenders reach Cotter

Cotter is a lightly settled community of about 37 people, with 139 larger places inside a 50-mile radius. Whether Cotter has a local branch or not, a Iowa-licensed lender can serve its 37 people online on the same terms. For a larger market, the closest option is Ainsworth, IA about 5 miles away.