Personal loans in Eldon, IA

The Eldon data picture

Eldon is a small community; the notes below cover its population profile and the statewide rules that apply.

• Population: 777 residents; Eldon is the 335th-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 1.3%.
• Net change: roughly 10 fewer people than the 2020 Census counted.
• Size percentile: roughly 64% of Iowa's places have fewer residents than Eldon's 777.
• Population density: about 710 people per square mile across 1.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
• By land area: Eldon ranks 346th among Iowa's 940 places, at 1.1 sq mi.
• Within Iowa: about 0.0% of the state's population lives in Eldon.
• National rank: Eldon sits 11,322nd by population among the 19,457 places in this dataset.
• Growth rank: Eldon's 2020-to-2023 change ranks 477th of 940 places in Iowa.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Eldon's 1.3%.
• Density rank: Eldon is the 445th most densely settled place in Iowa.
• Against the state median: Eldon runs about 710 residents per square mile, where the Iowa median is 672.
• Location: it lies at 40.9180, -92.2182 in the Census Gazetteer.
• Nearest larger cities: Ottumwa (13 mi); Fairfield (14 mi); Bloomfield (16 mi); Keosauqua (19 mi); Eddyville (27 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller towns: Batavia (6 mi); Floris (7 mi); Agency (7 mi) — useful context for the surrounding area.
• Smaller neighbours: 92 places smaller than Eldon sit within 50 miles.
• Larger places within 100 miles: 176.

Which Iowa laws govern a loan in Eldon

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

Before you apply in Eldon

For Eldon's roughly 777 residents, these are the steps that most influence the offer:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
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. Decide the purpose and how you will repay it before approaching any lender.
6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
7. Look for an origination fee or prepayment penalty in the written disclosure.

What differs between Eldon and the rest of Iowa is not the process but the borrower's own file, among the 777 people here.

How lenders reach Eldon

At roughly 710 people per square mile, Eldon is moderately settled; 26 larger places lie within 50 miles. What is available to Eldon's 777 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Ottumwa, IA about 13 miles away.

Eldon: area, density and distance

The Census Gazetteer records about 1.1 square miles of land within Eldon, with no significant water area listed. With 777 residents, the land area yields roughly 710 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 85 miles. Eldon has 26 larger places within a 50-mile radius. By land area it ranks 346th of 940 Iowa places.

How a Eldon personal loan is priced

A Eldon personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 777 residents. The APR tracks your credit score rather than Eldon's rank of 335th 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 Eldon loan raises the monthly payment but cuts the interest; lengthening it does the reverse.