Personal loans in Ryan, IA
Ryan shed about 0.6% of its population between the 2020 base and the 2023 estimate. A lender serving Ryan holds a Iowa licence and answers to a Iowa regulator; no city office is involved for its 346 residents. About 346 people live in Ryan, placing it 532nd of 940 Census places in Iowa. The closest larger city is Coggon, IA about 6 miles away. For the 346 people in Ryan, Iowa runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Read the disclosure for an origination fee and any prepayment penalty before signing in Ryan.
The Ryan data picture
Ryan is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: 346 residents; Ryan is the 532nd-largest of 940 places in Iowa (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 0.6%.
- Net change: roughly 2 fewer people than the 2020 Census counted.
- Size percentile: roughly 43% of Iowa places rank below Ryan.
- Density: roughly 790 residents per square mile, spread over 0.4 sq mi of land.
- Land area rank: Ryan's 0.4 square miles rank 697th of 940 places in Iowa.
- State population share: Ryan accounts for about 0.0% of everyone in Iowa.
- National rank: Ryan is the 14,632nd most populous of the 19,457 Census places covered here.
- Growth rank: Ryan's 2020-to-2023 change ranks 353rd of 940 places in Iowa.
- State comparison: Iowa's places average -0.7% for 2020-to-2023, against Ryan's 0.6%.
- Density rank: Ryan is the 394th most densely settled place in Iowa.
- Density vs Iowa: Ryan's 790 people per square mile compare with a state median of 672.
- Location: it lies at 42.3523, -91.4849 in the Census Gazetteer.
- Nearest larger cities: Coggon (6 mi); Manchester (9 mi); Delhi (10 mi); Central City (11 mi); Hopkinton (12 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places close by: Prairieburg (8 mi); Masonville (10 mi); Delaware (11 mi).
- Smaller places within 50 miles: 49 of them.
- At 100 miles: 352 larger Census places fall inside that radius.
Land, water and location for Ryan
Ryan's land area is roughly 0.4 square miles, and the Gazetteer records no significant water area within it. Spread across it are roughly 790 residents per square mile. For the state's biggest city, Des Moines, the distance is roughly 122 miles. A 50-mile radius around Ryan takes in 106 places that are larger. Within the same 50 miles lie 49 smaller Census places.
Where Ryan sits in Iowa
Within Iowa, Ryan holds roughly 0.0% of all residents, the 532nd-largest share among 940 places. Its 2020-to-2023 change ranks 353rd of 940 Iowa places, putting it near the 62th percentile for growth. At about 790 people per square mile, Ryan is the 394th most densely settled place in Iowa. The population moved by about 2 people between 2020 and 2023, a 0.6% shift.
What to do before borrowing in Ryan
Complete these steps first when you borrow in Ryan (346 residents):
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Use the loan calculator to test the payment on your intended amount and term.
- Shop at least three lenders and judge them on APR and total cost.
- Make sure the lender appears in the Iowa regulator's licence list.
- Write down the purpose of the loan and your repayment plan before you apply.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Read the disclosure for an origination fee and any prepayment penalty before signing.
None of these steps is Ryan-specific: the same Iowa licensing and disclosure rules reach all 346 residents.
The Iowa lending rules that reach Ryan
For the roughly 346 residents of Ryan, the rules below are Iowa's own; each row carries its publisher and retrieval date.
| 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 |
| 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 |
| Payday lending status | Permitted under license (delayed deposit services; must be physically located in Iowa) Source says: "A person shall not operate a delayed deposit services business in this state unless the person is physically located in this state and licensed by the superintendent". | Iowa Legislature (Iowa Code) as of 2026-09-16 |
Borrowing reach in Ryan
At roughly 790 people per square mile, Ryan is moderately settled; 106 larger places lie within 50 miles. Whether Ryan has a local branch or not, a Iowa-licensed lender can serve its 346 people online on the same terms. The nearest bigger place is Coggon, IA about 6 miles away.
Common questions
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Nearby places
- Coggon, IA — population 686
- Prairieburg, IA — population 155
- Manchester, IA — population 5,239
- Central City, IA — population 1,241
- Masonville, IA — population 99
- Delhi, IA — population 432
- Delaware, IA — population 139
- Dundee, IA — population 194