Personal loans in Underwood, IA

Borrowing in Underwood: the local picture

Read the local figures below as context; read the sourced Iowa table as the rulebook a lender here must follow.

• Population: about 959, ranked 286th of 940 places in Iowa (Census Vintage 2023 subcounty estimate).
• Population trend: Higher by roughly 0.6% since the 2020 count.
• Net change: roughly 6 more people than the 2020 Census counted.
• Size percentile: Underwood sits ahead of around 70% of Iowa places, at 959 people.
• Population density: 881 people per square mile on 1.1 square miles of land.
• Land area rank: Underwood's 1.1 square miles rank 349th of 940 places in Iowa.
• Water: Underwood holds about 0.03 square miles, the 116th-largest water area in Iowa.
• Share of Iowa: Underwood holds about 0.0% of the state's population, some 959 people.
• National standing: Underwood ranks 10,405th of 19,457 US places.
• Growth rank: Underwood ranks 179th among Iowa's 940 places for the 2020-to-2023 change.
• Versus Iowa: the state average change is -0.7%, while Underwood moved 0.6%.
• Density rank: Underwood places 338th among Iowa's places by people per square mile.
• Density in context: Underwood's 881 people per square mile sit against a Iowa median of 672.
• Location: 41.3802 / -95.6825, per the US Census Bureau Gazetteer.
• Nearest larger cities: Treynor (11 mi); Council Bluffs (13 mi); Carter Lake (14 mi); Oakland (15 mi); Missouri Valley (17 mi). Online lenders reach Underwood no matter how far the nearest branch is.
• Smaller places nearby: McClelland (3 mi); Neola (6 mi); Crescent (9 mi).
• Within a 50-mile radius: 87 smaller Census places.
• At 100 miles: 125 larger Census places fall inside that radius.

What shapes a Underwood personal loan

Underwood is a small community of about 959 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Underwood lender to disclose the APR and finance charge before you sign. A longer term lowers the monthly payment on a Underwood loan but raises total interest, so the smallest payment is not the cheapest loan.

Underwood on the map

The Census Gazetteer records 1.1 square miles of land and 0.03 square miles of water within Underwood. That land carries about 881 people per square mile. For the state's biggest city, Des Moines, the distance is roughly 108 miles. Counting outward 50 miles, 45 larger communities surround Underwood. Within the same 50 miles lie 87 smaller Census places.

Underwood in state context

Set beside Iowa's 940 places, Underwood ranks 286th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 179th of 940 Iowa places, putting it near the 81th percentile for growth. At about 881 people per square mile, Underwood is the 338th most densely settled place in Iowa. Within 50 miles sit 87 smaller Census places, alongside the 45 that are larger.

What Iowa law requires in Underwood

These are Iowa's sourced lending facts as they reach Underwood's 959 residents; the state has no city-level rate rule.

What is available to Underwood borrowers

With about 881 residents per square mile, Underwood is moderately settled, and 45 larger Census places sit within 50 miles. Lenders licensed in Iowa reach Underwood's 959 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Treynor, IA about 11 miles away.