Personal loans in Duncombe, IA

The Census counts 370 people in Duncombe, the 513th-largest figure among Iowa's 940 places. The nearest larger metro is Lehigh, IA about 8 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Duncombe's 370 residents. Begin with the payment, then weigh APR and total interest across the lenders that reach Duncombe's 370 residents.

Local context for Duncombe

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

• Population: about 370, ranked 513th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: Down about 2.4% from the 2020 Census base to the 2023 estimate.
• Net change: roughly 9 fewer people than the 2020 Census counted.
• Size percentile: roughly 45% of Iowa's places have fewer residents than Duncombe's 370.
• Population density: about 188 people per square mile across 2.0 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Duncombe covers 2.0 square miles, the 206th-largest area among Iowa's 940 places.
• State share: roughly 0.0% of Iowa's residents live in Duncombe (370 people).
• National standing: Duncombe ranks 14,407th of 19,457 US places.
• Growth rank: Duncombe's 2020-to-2023 change ranks 717th of 940 places in Iowa.
• Against the state trend: Duncombe's 2.4% change compares with a Iowa average of -0.7% across its 940 places.
• Density rank: Duncombe is the 830th most densely settled place in Iowa.
• Density in context: Duncombe's 188 people per square mile sit against a Iowa median of 672.
• Location: 42.4698, -93.9968 (Census Gazetteer coordinates).
• Nearest larger cities: Lehigh (8 mi); Otho (8 mi); Webster City (9 mi); Fort Dodge (10 mi); Badger (12 mi). Lenders licensed in the state serve Duncombe whether or not they keep a local branch.
• Smaller communities within reach: Vincent (9 mi); Woolstock (10 mi); Kamrar (15 mi).
• Smaller places within 50 miles: 71 of them.
• At 100 miles: 283 larger Census places fall inside that radius.

How a Duncombe personal loan is priced

A Duncombe personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 370 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Duncombe. The term you choose in Duncombe decides the split between a comfortable payment and the total interest you pay.

Duncombe against the rest of Iowa

Within Iowa, Duncombe holds roughly 0.0% of all residents, the 513th-largest share among 940 places. On the 2020-to-2023 trend, Duncombe stands 717th among Iowa's 940 places — roughly the 24th percentile. At about 188 people per square mile, Duncombe is the 830th most densely settled place in Iowa. The population moved by about 9 people between 2020 and 2023, a 2.4% shift.

Duncombe: area, density and distance

Duncombe's land area is roughly 2.0 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 188 people per square mile. Des Moines, the largest place in Iowa, is about 65 miles from Duncombe. Within 50 miles of Duncombe there are 65 larger Census places. Within the same 50 miles lie 71 smaller Census places.

The state rulebook for Duncombe

Iowa has no separate rate rule for Duncombe; the sourced rows below are what reach every lender that serves its 370 people.

Steps to take before a Duncombe loan

A sensible order of operations for a loan in Duncombe, home to about 370 people:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Verify the lender's Iowa licence with the regulator listed on this page.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

The process is identical across Iowa; what changes is your credit file, not the fact that Duncombe holds 370 people.