Personal loans in Pulaski, IA
A lender serving Pulaski holds a Iowa licence and answers to a Iowa regulator; no city office is involved for its 261 residents. Pulaski is one of 940 Census places in Iowa; its 261 residents put it at 596th.
The closest larger place is Milton, IA about 6 miles away. Census figures put the 2020-to-2023 decrease in Pulaski at about 0.4%. A single loan can carry different costs on either side of a state line, and Pulaski sits on the Iowa side of that line. For a community of about 261, the practical step is to compare APR across at least three lenders before committing.
Pulaski: the sourced local profile
Two layers matter for a Pulaski borrower: the local population picture and Iowa's consumer-lending statutes.
- Population: about 261 people live here, which puts Pulaski 596th of 940 Census places in Iowa (Vintage 2023).
- Population trend: Roughly 0.4% fewer residents than the 2020 Census counted.
- Absolute change: 1 residents lost between 2020 and 2023.
- Size percentile: Pulaski's 261 people outrank roughly 37% of the places in Iowa.
- Population density: about 596 people per square mile (Census land area 0.4 sq mi).
- Land area: Pulaski covers 0.4 square miles, the 698th-largest area among Iowa's 940 places.
- State population share: Pulaski accounts for about 0.0% of everyone in Iowa.
- Nationally: Pulaski is the 15,609th-largest of 19,457 Census places in the dataset.
- Growth rank: Pulaski ranks 326th among Iowa's 940 places for the 2020-to-2023 change.
- State comparison: Iowa's places average -0.7% for 2020-to-2023, against Pulaski's 0.4%.
- Density in Iowa: Pulaski ranks 527th by people per square mile.
- Density in context: Pulaski's 596 people per square mile sit against a Iowa median of 672.
- Location: the Census Gazetteer records it at 40.6944, -92.2742.
- Nearest larger cities: Milton (6 mi); Bloomfield (8 mi); Downing (15 mi); Eldon (16 mi); Keosauqua (17 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller communities close by: Cantril (11 mi); Floris (12 mi); Drakesville (13 mi), each with its own Census population profile.
- Smaller neighbours: 54 places smaller than Pulaski sit within 50 miles.
- Larger places within 100 miles: 274.
Pulaski: area, density and distance
Inside Pulaski's boundaries lie about 0.4 square miles of land, with no significant water area recorded. The resulting density is about 596 people per square mile. The state's population centre of gravity, Des Moines, is roughly 92 miles away. A 50-mile radius around Pulaski takes in 60 places that are larger. By land area it ranks 698th of 940 Iowa places.
Getting a loan in Pulaski
Pulaski is a moderately settled community of about 261 people, with 60 larger places inside a 50-mile radius. Whether Pulaski has a local branch or not, a Iowa-licensed lender can serve its 261 people online on the same terms. The nearest bigger place is Milton, IA about 6 miles away.
What a Pulaski borrower is actually offered
In Pulaski, a small community of about 261, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Pulaski's rank of 596th 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 Pulaski loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
The Iowa lending rules that reach Pulaski
When Iowa does not publish a figure, the row links to the source instead of inventing a number; Pulaski is bound by the same rules.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Iowa Division of Banking (IDOB), Iowa Department of Insurance and Financial Services Source says: "As part of the 2023 state government realignment, the IDOB became part of a new Department of Insurance and Financial Services". | Iowa Division of Banking as of 2026-09-16 |
| Delayed deposit fee cap | Fee cap: $15 on first $100 of check face amount; $10 on subsequent $100 increments Source says: "fifteen dollars on the first one hundred dollars ... or more than ten dollars on subsequent one hundred dollar increments". | Iowa Legislature (Iowa Code) as of 2026-09-16 |
| Maximum legal interest rate (usury cap) | 2 percentage points above the monthly average 10-year U.S. Treasury constant maturity rate (written agreements) Source says: "The maximum lawful rate of interest ... in any written agreement ... shall be two percentage points above the monthly average ten-year constant maturity interest rate". | Iowa Legislature (Iowa Code) as of 2026-09-16 |
Pulaski's place among Iowa's 940 places
Set beside Iowa's 940 places, Pulaski ranks 596th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Pulaski stands 326th among Iowa's 940 places — roughly the 65th percentile. Its roughly 596 residents per square mile place it 527th among Iowa's places. Within 50 miles sit 54 smaller Census places, alongside the 60 that are larger.
Common questions
What are my options in Pulaski if my credit is poor?
What loan size can I expect in Pulaski?
Do I have to pledge anything to borrow in Pulaski?
Does comparing loans in Pulaski cost me credit score points?
Nearby places
- Milton, IA — population 397
- Bloomfield, IA — population 2,772
- Floris, IA — population 114
- Cantril, IA — population 225
- Downing, MO — population 300
- Eldon, IA — population 777
- Drakesville, IA — population 170
- Memphis, MO — population 1,718