Personal loans in Perry, IA

Perry: population, trend and location

Set out below is Perry's local context next to the state-level rules that reach every lender here.

• Population: an estimated 7,984 residents, 50th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: Up about 1.8% from the 2020 Census base to the 2023 estimate.
• People gained or lost: about 141 more since the 2020 base.
• Size percentile: Perry's 7,984 people outrank roughly 95% of the places in Iowa.
• Density: roughly 1,378 residents per square mile, spread over 5.8 sq mi of land.
• By land area: Perry ranks 66th among Iowa's 940 places, at 5.8 sq mi.
• Share of state population: Perry's 7,984 residents are about 0.3% of Iowa.
• National rank: Perry sits 3,692nd by population among the 19,457 places in this dataset.
• Growth rank: Perry's 2020-to-2023 change ranks 94th of 940 places in Iowa.
• Against the state trend: Perry's 1.8% change compares with a Iowa average of -0.7% across its 940 places.
• Density in Iowa: Perry ranks 112th by people per square mile.
• Density vs Iowa: Perry's 1,378 people per square mile compare with a state median of 672.
• Location: it lies at 41.8379, -94.0933 in the Census Gazetteer.
• Nearest larger cities: Boone (18 mi); Grimes (19 mi); Waukee (20 mi); Urbandale (21 mi); Johnston (22 mi). Larger metros often have more branches, but online lenders reach Perry on the same terms.
• Smaller communities close by: Bouton (4 mi); Minburn (6 mi); Dawson (7 mi), each with its own Census population profile.
• Smaller neighbours: 126 places smaller than Perry sit within 50 miles.
• At 100 miles: 26 larger Census places fall inside that radius.

Lender access in Perry

Perry is moderately settled, with about 1,378 people per square mile and 17 larger places within 50 miles. A Iowa licence lets a lender serve Perry without a local office, so branch density does not change what its 7,984 residents are offered. The nearest bigger place is Boone, IA about 18 miles away.

Perry on the map

The Census Gazetteer records about 5.8 square miles of land within Perry, with no significant water area listed. That land carries about 1,378 people per square mile. Des Moines, the largest place in Iowa, is about 31 miles from Perry. A 50-mile radius around Perry takes in 17 places that are larger. Within the same 50 miles lie 126 smaller Census places.

What shapes a Perry personal loan

Perry is a small town of about 7,984 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Perry's 7,984 residents must disclose the APR and finance charge in writing before you sign. Shortening the term on a Perry loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Steps to take before a Perry loan

For Perry's roughly 7,984 residents, these are the steps that most influence the offer:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Test your amount and term in the personal loan calculator first.
3. Line up several pre-qualified offers and let the APR decide.
4. Look the lender up in the Iowa regulator's licence records before you sign.
5. Keep the amount to the expense; an approval is not a reason to take more.
6. Be clear on what the loan is for and how it gets repaid.
7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

What differs between Perry and the rest of Iowa is not the process but the borrower's own file, among the 7,984 people here.

Iowa consumer-lending rules applied in Perry

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