Personal loans in Oskaloosa, IA

A personal loan in Oskaloosa is priced from your credit file and income, not from the fact that the city holds 11,448 people. Use the calculator on this page to price an amount and term before you commit in Oskaloosa. When Iowa caps or restricts a product, lenders either change the terms or withdraw it from Oskaloosa as from the rest of the state. A larger market lies at Ottumwa, IA about 22 miles away.

Borrowing in Oskaloosa: the local picture

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

• Population: a Census-estimated 11,448, 36th among Iowa's 940 places (Vintage 2023).
• Population trend: A drop of about 0.9% from 2020 to 2023.
• Net change: roughly 99 fewer people than the 2020 Census counted.
• Size percentile: about 96% of Iowa's Census places are smaller than Oskaloosa.
• Land and density: 8.1 square miles of land carry roughly 1,421 residents per square mile.
• Land area rank: Oskaloosa's 8.1 square miles rank 48th of 940 places in Iowa.
• Water area rank: Oskaloosa ranks 139th among Iowa's 940 places, with 0.01 sq mi.
• Share of Iowa: Oskaloosa holds about 0.4% of the state's population, some 11,448 people.
• National rank: Oskaloosa sits 2,857th by population among the 19,457 places in this dataset.
• Growth rank: Oskaloosa's 2020-to-2023 change ranks 397th of 940 places in Iowa.
• State comparison: Iowa's places average -0.7% for 2020-to-2023, against Oskaloosa's 0.9%.
• Density rank: Oskaloosa is the 93rd most densely settled place in Iowa.
• Density in context: Oskaloosa's 1,421 people per square mile sit against a Iowa median of 672.
• Location: 41.2922, -92.6409 (Census Gazetteer coordinates).
• Nearest larger cities: Ottumwa (22 mi); Newton (35 mi); Indianola (48 mi); Pleasant Hill (50 mi); Altoona (50 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller places nearby: University Park (1 mi); Beacon (2 mi); Keomah Village (5 mi).
• Smaller places within 50 miles: 124 of them.
• At 100 miles: 27 larger Census places fall inside that radius.

Oskaloosa's place among Iowa's 940 places

Against Iowa's other places, Oskaloosa accounts for about 0.4% of the state's population and ranks 36th of 940 by size. For population change between 2020 and 2023, Oskaloosa ranks 397th of 940 in Iowa (about the 58th percentile). Its roughly 1,421 residents per square mile place it 93rd among Iowa's places. In land area, Oskaloosa ranks 48th among Iowa's 940 places.

How personal loans work in Oskaloosa

With roughly 11,448 residents, Oskaloosa is a small town; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Oskaloosa loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Oskaloosa decides the split between a comfortable payment and the total interest you pay.

Iowa consumer-lending rules applied in Oskaloosa

Iowa has no separate rate rule for Oskaloosa; the sourced rows below are what reach every lender that serves its 11,448 people.

Borrowing reach in Oskaloosa

With about 1,421 residents per square mile, Oskaloosa is moderately settled, and 4 larger Census places sit within 50 miles. Distance to a branch rarely matters for Oskaloosa's 11,448 residents: the application is online and the price follows your credit file. For a larger market, the closest option is Ottumwa, IA about 22 miles away.

Where Oskaloosa sits

Oskaloosa covers about 8.1 square miles of land, with 0.01 square miles of water inside its boundaries (Census Gazetteer). With 11,448 residents, the land area yields roughly 1,421 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 54 miles. Within 50 miles of Oskaloosa there are 4 larger Census places. The 100-mile radius contains 27 larger places.