Personal loans in Laurel, IA

Borrowing in Laurel: the local picture

Read the local figures below as context; read the sourced Iowa table as the rulebook a lender here must follow.

• Population: about 219, ranked 643rd of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: Steady across the 2020-to-2023 comparison.
• Size percentile: about 32% of Iowa communities are smaller than Laurel (219 residents).
• Population density: 890 people per square mile on 0.2 square miles of land.
• Land area rank: Laurel's 0.2 square miles rank 838th of 940 places in Iowa.
• Within Iowa: about 0.0% of the state's population lives in Laurel.
• National rank: Laurel sits 16,186th by population among the 19,457 places in this dataset.
• Growth rank: Laurel ranks 245th among Iowa's 940 places for the 2020-to-2023 change.
• Versus Iowa: the state average change is -0.7%, while Laurel moved 0.0%.
• Density in Iowa: Laurel ranks 329th by people per square mile.
• Density vs Iowa: Laurel's 890 people per square mile compare with a state median of 672.
• Location: latitude 41.8840, longitude -92.9223 (Census Gazetteer).
• Nearest larger cities: Gilman (7 mi); Melbourne (10 mi); Marshalltown (10 mi); Le Grand (11 mi); Kellogg (11 mi). Living near a larger metro rarely changes what is available in Laurel.
• Smaller places nearby: Haverhill (5 mi); Ferguson (5 mi); Oakland Acres (12 mi).
• Smaller places within 50 miles: 40 of them.
• Within 100 miles: 363 places are larger than Laurel.

The anatomy of a Laurel personal loan

Most loans made to Laurel's 219 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Laurel's rank of 643rd in Iowa: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Laurel decides the split between a comfortable payment and the total interest you pay.

Which Iowa laws govern a loan in Laurel

Read the table as a lender's compliance picture for Laurel: the rule, the sourced figure, the publisher and the date.

A practical checklist for Laurel borrowers

Before you apply in Laurel, a community of about 219, work through these steps:

1. Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
2. Test your amount and term in the personal loan calculator first.
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. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Test the payment against your current bills before you commit.

In Laurel as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 219 residents.

Laurel's place among Iowa's 940 places

Set beside Iowa's 940 places, Laurel ranks 643rd by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 245th of 940 Iowa places, putting it near the 74th percentile for growth. By density, at about 890 people per square mile, it ranks 329th in Iowa. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.

Land, water and location for Laurel

Laurel covers about 0.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 219 residents, the land area yields roughly 890 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 41 miles. A 50-mile radius around Laurel takes in 114 places that are larger. The 100-mile radius contains 363 larger places.