Personal loans in Rowan, IA

Census figures put the 2020-to-2023 decrease in Rowan at about 2.5%. Which products a lender may offer to Rowan's 119 residents follows from the Iowa consumer-lending framework. Compare APR, not the interest rate, because the APR folds in most fees on a Rowan loan. For a bigger market, look to Alexander, IA about 6 miles away.

Rowan by the numbers

Only a few things actually differ by place — population, area, location, and the Iowa rules a lender must follow — and they are below.

• Population: 119 — Rowan ranks 787th of 940 communities in Iowa (US Census Bureau, Vintage 2023).
• Population trend: A decline of about 2.5% across the 2020-to-2023 comparison.
• People gained or lost: about 3 fewer since the 2020 base.
• Size percentile: with 119 residents, Rowan is larger than about 16% of Iowa's Census places.
• Density: roughly 228 residents per square mile, spread over 0.5 sq mi of land.
• Land area: Rowan covers 0.5 square miles, the 639th-largest area among Iowa's 940 places.
• Share of state population: Rowan's 119 residents are about 0.0% of Iowa.
• Nationally: Rowan is the 17,799th-largest of 19,457 Census places in the dataset.
• Growth rank: Rowan ranks 731st among Iowa's 940 places for the 2020-to-2023 change.
• Versus Iowa: the state average change is -0.7%, while Rowan moved 2.5%.
• Density rank: Rowan places 797th among Iowa's places by people per square mile.
• Against the state median: Rowan runs about 228 residents per square mile, where the Iowa median is 672.
• Location: latitude 42.7399, longitude -93.5503 (Census Gazetteer).
• Nearest larger cities: Alexander (6 mi); Dows (6 mi); Belmond (8 mi); Clarion (9 mi); Coulter (9 mi). Online lenders reach Rowan no matter how far the nearest branch is.
• Smaller communities within reach: Galt (4 mi); Popejoy (12 mi); Hansell (23 mi).
• Smaller neighbours: 14 places smaller than Rowan sit within 50 miles.
• Larger places within 100 miles: 454.

Iowa consumer-lending rules applied in Rowan

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

Lender access in Rowan

Rowan is a lightly settled community of about 119 people, with 115 larger places inside a 50-mile radius. What is available to Rowan's 119 borrowers is set by Iowa licensing and your own credit, not by how many branches are nearby. The nearest larger city, Alexander, IA about 6 miles away.

Rowan's place among Iowa's 940 places

Set beside Iowa's 940 places, Rowan ranks 787th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Rowan stands 731st among Iowa's 940 places — roughly the 22th percentile. Its roughly 228 residents per square mile place it 797th among Iowa's places. In land area, Rowan ranks 639th among Iowa's 940 places.

Land, water and location for Rowan

Rowan's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 228 residents per square mile. The state's population centre of gravity, Des Moines, is roughly 81 miles away. Counting outward 50 miles, 115 larger communities surround Rowan. Within the same 50 miles lie 14 smaller Census places.

A practical checklist for Rowan borrowers

These steps shape the offer you get in Rowan, a place of about 119 people:

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. Shop at least three lenders and judge them on APR and total cost.
4. Look the lender up in the Iowa regulator's licence records before you sign.
5. Weigh a shorter term's higher payment against the interest it saves.
6. Borrow only what the purpose requires, not the maximum you are offered.
7. Decide the purpose and how you will repay it before approaching any lender.

In Rowan as elsewhere in Iowa, the written terms — not the advertisement — are what count for its 119 residents.