Personal loans in Elberon, IA
For a borrower among the roughly 179 residents of Elberon, a personal loan is a tool whose cost turns on the terms, not the address. For a community of about 179, the practical step is to compare APR across at least three lenders before committing. The Census estimates 179 residents in Elberon, which ranks it 691st of 940 places in Iowa. Which products a lender may offer to Elberon's 179 residents follows from the Iowa consumer-lending framework. Elberon shed about 2.2% of its population between the 2020 base and the 2023 estimate. The next larger city is Keystone, IA about 6 miles away.
Elberon: population, trend and location
Two layers matter for a Elberon borrower: the local population picture and Iowa's consumer-lending statutes.
- Population: about 179 people live here, which puts Elberon 691st of 940 Census places in Iowa (Vintage 2023).
- Population trend: A decline of about 2.2% across the 2020-to-2023 comparison.
- Absolute change: 4 residents lost between 2020 and 2023.
- Size percentile: with 179 residents, Elberon is larger than about 26% of Iowa's Census places.
- Population density: 273 people per square mile on 0.7 square miles of land.
- By land area: Elberon ranks 545th among Iowa's 940 places, at 0.7 sq mi.
- Share of Iowa: Elberon holds about 0.0% of the state's population, some 179 people.
- National rank: Elberon is 16,796th of 19,457 places nationwide.
- Growth rank: Elberon ranks 672nd among Iowa's 940 places for the 2020-to-2023 change.
- Against the state trend: Elberon's 2.2% change compares with a Iowa average of -0.7% across its 940 places.
- Density rank: Elberon is the 761st most densely settled place in Iowa.
- Against the state median: Elberon runs about 273 residents per square mile, where the Iowa median is 672.
- Location: latitude 42.0055, longitude -92.3161 (Census Gazetteer).
- Nearest larger cities: Keystone (6 mi); Clutier (7 mi); Chelsea (7 mi); Belle Plaine (8 mi); Dysart (12 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities close by: Vining (4 mi); Luzerne (10 mi); Hartwick (15 mi), each with its own Census population profile.
- Within a 50-mile radius: 27 smaller Census places.
- Within 100 miles: 424 places are larger than Elberon.
Inside a Elberon personal loan
In Elberon, a small community of about 179, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Elberon can be quoted different APRs on the same amount and term. The term you choose in Elberon decides the split between a comfortable payment and the total interest you pay.
Elberon's place among Iowa's 940 places
Elberon is the 691st-largest of 940 Census places in Iowa and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Elberon stands 672nd among Iowa's 940 places — roughly the 29th percentile. By density, at about 273 people per square mile, it ranks 761st in Iowa. Between 2020 and 2023 the count changed by roughly 4 residents.
The geography behind Elberon
Inside Elberon's boundaries lie about 0.7 square miles of land, with no significant water area recorded. That land carries about 273 people per square mile. Des Moines, the largest place in Iowa, is about 73 miles from Elberon. A 50-mile radius around Elberon takes in 116 places that are larger. By land area it ranks 545th of 940 Iowa places.
Which Iowa laws govern a loan in Elberon
The rows below set out what a licensed lender must follow in Iowa, and so for Elberon's roughly 179 residents.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Iowa 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 |
| Small-loan / installment lender licensing | Regulated 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 |
| Delayed deposit fee cap | Fee cap: $15 on first $100 of check face amount; $10 on subsequent $100 increments Source says: "fifteen dollars on the first one hundred dollars ... or more than ten dollars on subsequent one hundred dollar increments". | Iowa Legislature (Iowa Code) as of 2026-09-16 |
Getting a loan in Elberon
Elberon is a lightly settled community of about 179 people, with 116 larger places inside a 50-mile radius. Lenders licensed in Iowa reach Elberon's 179 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Keystone, IA about 6 miles away.
Common questions
What are my options in Elberon if my credit is poor?
What loan size can I expect in Elberon?
Do I have to pledge anything to borrow in Elberon?
Does comparing loans in Elberon cost me credit score points?
Nearby places
- Vining, IA — population 52
- Clutier, IA — population 208
- Chelsea, IA — population 220
- Belle Plaine, IA — population 2,340
- Keystone, IA — population 621
- Dysart, IA — population 1,261
- Luzerne, IA — population 111
- Garrison, IA — population 344