Personal loans in Ottumwa, IA

Ottumwa: population, trend and location

Here is the sourced Census picture for Ottumwa, plus the Iowa lending rules that apply to a loan taken out here.

• Population: an estimated 25,252 residents, 19th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is negative, near 1.1%.
• Net change: roughly 291 fewer people than the 2020 Census counted.
• Size percentile: with 25,252 residents, Ottumwa is larger than about 98% of Iowa's Census places.
• Population density: about 1,572 people per square mile across 16.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area rank: Ottumwa's 16.1 square miles rank 22nd of 940 places in Iowa.
• Water: Ottumwa holds about 0.67 square miles, the 21st-largest water area in Iowa.
• State share: roughly 1.0% of Iowa's residents live in Ottumwa (25,252 people).
• National rank: Ottumwa is the 1,551st most populous of the 19,457 Census places covered here.
• Growth rank: Ottumwa ranks 453rd among Iowa's 940 places for the 2020-to-2023 change.
• Versus Iowa: the state average change is -0.7%, while Ottumwa moved 1.1%.
• Density rank: Ottumwa is the 59th most densely settled place in Iowa.
• Density in context: Ottumwa's 1,572 people per square mile sit against a Iowa median of 672.
• Location: 41.0223, -92.4233 (Census Gazetteer coordinates).
• Nearest larger cities: Iowa City (64 mi); Des Moines (72 mi); Marshalltown (74 mi); Cedar Rapids (76 mi); Ankeny (78 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Smaller places nearby: Agency (6 mi); Chillicothe (7 mi); Kirkville (9 mi).
• Within a 50-mile radius: 119 smaller Census places.
• At 100 miles: 11 larger Census places fall inside that radius.

What Iowa law requires in Ottumwa

Every row below records a Iowa rule, its publisher and its retrieval date — the same rules a Ottumwa lender must follow.

Getting a loan in Ottumwa

At roughly 1,572 people per square mile, Ottumwa is moderately settled; 0 larger places lie within 50 miles. Distance to a branch rarely matters for Ottumwa's 25,252 residents: the application is online and the price follows your credit file. The nearest bigger place is Iowa City, IA about 64 miles away.

A practical checklist for Ottumwa borrowers

Before you hand your details to a lender in Ottumwa, where the population is near 25,252:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Line up several pre-qualified offers and let the APR decide.
4. Verify the lender's Iowa licence with the regulator listed on this page.
5. Decide the purpose and how you will repay it before approaching any lender.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Read the disclosure for an origination fee and any prepayment penalty before signing.

The process is identical across Iowa; what changes is your credit file, not the fact that Ottumwa holds 25,252 people.

How personal loans work in Ottumwa

A Ottumwa personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 25,252 residents. Federal Truth in Lending rules require a Ottumwa lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Ottumwa loan is knowable in advance — unlike a revolving card balance.

Ottumwa against the rest of Iowa

Set beside Iowa's 940 places, Ottumwa ranks 19th by population and holds about 1.0% of the state total. On the 2020-to-2023 trend, Ottumwa stands 453rd among Iowa's 940 places — roughly the 52th percentile. By density, at about 1,572 people per square mile, it ranks 59th in Iowa. The population moved by about 291 people between 2020 and 2023, a 1.1% shift.