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Iowa (/ˈaɪəwə/ (listen)) is a state in the Midwestern United States, bordered by the Mississippi River to the east and the Missouri River and Big Sioux River to the west. It is bordered by six states; Wisconsin to the northeast, Illinois to the east, Missouri to the south, Nebraska to the west, South Dakota to the northwest and Minnesota to the north.
The United States Census Bureau estimates the population of Iowa was 3,123,899 on July 1, 2015, a 2.55% increase since the 2010 Census.
Of the residents of Iowa, 72.2% were born in Iowa, 23.2% were born in a different US state, 0.5% were born in Puerto Rico, U.S. Island areas, or born abroad to American parent(s), and 4.1% were foreign born.
Immigration from outside the United States resulted in a net increase of 29,386 people, while migration within the country produced a net loss of 41,140 people. 6.5% of Iowa’s population were reported as under the age of five, 22.6% under 18, and 14.7% were 65 or older. Males made up approximately 49.6% of the population. The population density of the state is 52.7 people per square mile. The center of population of Iowa is in Marshall County, in the city of Marshalltown.
As of the 2010 Census, the population of Iowa was 3,046,355. The gender makeup of the state was 49.5% male and 50.5% female. 23.9% of the population were under the age of 18; 61.2% were between the ages of 18 and 64; and 14.9% were 65 years of age or older.
The table below shows the racial composition of Iowa’s population as of 2016.
According to the 2016 American Community Survey, 5.6% of Iowa’s population were of Hispanic or Latino origin (of any race): Mexican (4.3%), Puerto Rican (0.2%), Cuban (0.1%), and other Hispanic or Latino origin (1.0%). The five largest ancestry groups were: German (35.1%), Irish (13.5%), English (8.2%), American (5.8%), and Norwegian (5.0%).
Iowa’s population is more urban than rural, with 61 percent living in urban areas in 2000, a trend that began in the early 20th century. Urban counties in Iowa grew 8.5% from 2000 to 2008, while rural counties declined by 4.2%. The shift from rural to urban has caused population increases in more urbanized counties such as Dallas, Johnson, Linn, Polk, and Scott, at the expense of more rural counties.
Iowa, in common with other Midwestern states (especially Kansas, Nebraska, North Dakota, and South Dakota), is feeling the brunt of rural flight, although Iowa has been gaining population since approximately 1990. Some smaller communities, such as Denison and Storm Lake, have mitigated this population loss through gains in immigrant laborers.
Another demographic problem for Iowa is the brain drain, in which educated young adults leave the state in search of better prospects in higher education or employment. During the 1990s, Iowa had the second highest exodus rate for single, educated young adults, second only to North Dakota. Significant loss of educated young people contributes to economic stagnation and the loss of services for remaining citizens.
Note: Births in table don’t add up, because Hispanics are counted both by their ethnicity and by their race, giving a higher overall number.
A 2001 survey from the City University of New York found 52% of Iowans are Protestant, while 23% are Catholic, and other religions made up 6%. 13% responded with non-religious, and 5% did not answer. A survey from the Association of Religion Data Archives (ARDA) in 2010 found that the largest Protestant denominations were the United Methodist Church with 235,190 adherents and the Evangelical Lutheran Church in America with 229,557. The largest non Protestant religion was Catholicism with 503,080 adherents. The state has a great number of Reformed denominations. The Presbyterian Church (USA) had almost 290 congregations and 51,380 members followed by the Reformed Church in America with 80 churches and 40,000 members, and the United Church of Christ had 180 churches and 39,000 members.
The study Religious Congregations & Membership: 2000 found in the southernmost two tiers of Iowa counties and in other counties in the center of the state, the largest religious group was the United Methodist Church; in the northeast part of the state, including Dubuque and Linn counties (where Cedar Rapids is located), the Catholic Church was the largest; and in ten counties, including three in the northern tier, the Evangelical Lutheran Church in America was the largest. The study also found rapid growth in Evangelical Christian denominations. Dubuque is home to the Archdiocese of Dubuque, which serves as the ecclesiastical province for all 3 other dioceses in the state and for all the Catholics in the entire state of Iowa.
Historically, religious sects and orders who desired to live apart from the rest of society established themselves in Iowa, such as the Amish and Mennonite near Kalona and in other parts of eastern Iowa such as Davis County and Buchanan County. Other religious sects and orders living apart include Quakers around West Branch and Le Grand, German Pietists who founded the Amana Colonies, followers of Transcendental Meditation who founded Maharishi Vedic City, and Order of Cistercians of the Strict Observance monks and nuns at the New Melleray and Our Lady of the Mississippi Abbies near Dubuque.
As of 2016 about 6,000 Jews live in Iowa, with about 3000 of them in Des Moines.
English is the most common language used in Iowa, used by 94% of the population. William Labov and colleagues, in the monumental Atlas of North American English found the English spoken in Iowa divides into multiple linguistic regions. Natives of northern Iowa – including Sioux City, Fort Dodge, and the Waterloo region – tend to speak the dialect linguists call North Central American English, which is also found in North and South Dakota, Minnesota, Wisconsin, and Michigan. Natives of central and southern Iowa – including such cities as Council Bluffs, Davenport, Des Moines, and Iowa City – tend to speak the North Midland dialect also found in eastern Nebraska, central Illinois, and central Indiana. Natives of East-Central Iowa – including cities such as Cedar Rapids, Dubuque, and Clinton tend to speak with the Northern Cities Vowel Shift, a dialect that extends from this area and east across the Great Lakes Region.
After English, Spanish is the second-most-common language spoken in Iowa, with 120,000 people in Iowa of Hispanic or Latino origin and 47,000 people born in Latin America. The third-most-common language is German, spoken by 17,000 people in Iowa; two notable German dialects used in Iowa include Amana German spoken around the Amana Colonies, and Pennsylvania German, spoken among the Amish in Iowa. The Babel Proclamation of 1918 banned the speaking of German in public. Around Pella, residents of Dutch descent once spoke the Pella Dutch dialect.
No other language is spoken by more than 0.5 percent of the Iowa population. The only indigenous language used regularly in Iowa is Meskwaki, used around the Meskwaki Settlement.
Iowa neighborhoods include: Ackley, Ackworth, Adel, Agency, Albert City, Albia, Albion, Alburnett, Alden, Alexander, Alleman, Allison, Alta, Alta Vista, Alton, Altoona, Alvord, Amana, Ames, Anamosa, Anita, Ankeny, Anthon, Aplington, Arcadia, Aredale, Argyle, Arlington, Armstrong, Arnolds Park, Ashton, Atalissa, Atkins, Atlantic, Auburn, Audubon, Aurelia, Aurora, Austinville, Avoca, Ayrshire, Badger, Bagley, Barnes City, Barnum, Batavia, Battle Creek, Baxter, Bayard, Beacon, Beaman, Belle Plaine, Bellevue, Belmond, Bernard, Berwick, Bettendorf, Blairsburg, Blairstown, Blakesburg, Bloomfield, Blue Grass, Bondurant, Boone, Booneville, Bouton, Boxholm, Boyden, Bradford, Brandon, Brayton, Breda, Brighton, Bristow, Bronson, Brooklyn, Buckingham, Buffalo Center, Burlington, Burnside, Bussey, Callender, Calmar, Cambridge, Carlisle, Carpenter, Carroll, Carson, Carter Lake, Cascade, Castalia, Cedar, Cedar Falls, Cedar Rapids, Center Point, Central City, Chapin, Chariton, Charles City, Chatsworth, Chelsea, Cherokee, Chester, Chillicothe, Churdan, Clare, Clarion, Clarksville, Clear Lake, Cleghorn, Clemons, Clermont, Clive, Coggon, Colesburg, Collins, Colo, Columbus City, Columbus Junction, Colwell, Conesville, Conrad, Coon Rapids, Cooper, Coralville, Correctionville, Council Bluffs, Crawfordsville, Crescent, Cresco, Cumming, Cushing, Dallas Center, Dana, Danbury, Danville, Davenport, Dawson, Dayton, Decorah, Dedham, Deep River, Defiance, Delta, Denmark, Denver, Derby, Des Moines, De Soto, Dexter, Dickens, Dolliver, Donnellson, Doon, Dorchester, Dougherty, Dows, Dubuque, Dumont, Duncombe, Dunkerton, Dunlap, Durango, Durant, Dyersville, Dysart, Eagle Grove, Earlham, Earling, Early, Eddyville, Edgewood, Elberon, Eldon, Eldora, Elgin, Elkader, Elkhart, Elk Horn, Elkport, Elk Run Heights, Elliott, Elma, Ely, Emerson, Epworth, Essex, Estherville, Evansdale, Everly, Exira, Fairbank, Fairfax, Farley, Farmersburg, Farmington, Farnhamville, Fayette, Ferguson, Fertile, Festina, Floris, Floyd, Fonda, Forest City, Fort Atkinson, Fort Dodge, Fort Madison, Fredericksburg, Fremont, Fruitland, Galt, Galva, Garber, Garden City, Garnavillo, Garner, Garrison, Garwin, Geneva, George, Gibson, Gifford, Gilbert, Gilbertville, Gilman, Gladbrook, Glenwood, Glidden, Goldfield, Gowrie, Graettinger, Grand Junction, Grand River, Granger, Grant, Granville, Greeley, Greene, Green Mountain, Greenville, Grimes, Grinnell, Griswold, Gruver, Guernsey, Guttenberg, Halbur, Hamlin, Hampton, Hancock, Hanlontown, Harcourt, Harlan, Harper, Harpers Ferry, Hartford, Hartley, Hartwick, Hastings, Haverhill, Hawarden, Hawkeye, Hedrick, Henderson, Hiawatha, Hillsboro, Holstein, Holy Cross, Honey Creek, Hornick, Hospers, Houghton, Hubbard, Hudson, Hull, Humboldt, Huxley, Imogene, Indianola, Inwood, Ionia, Iowa City, Iowa Falls, Ireton, Irwin, Jamaica, Janesville, Jefferson, Jesup, Johnston, Joice, Jolley, Kalona, Kanawha, Kelley, Keokuk, Keota, Kesley, Keswick, Keystone, Kimballton, Kingsley, Kinross, Kirkman, Kirkville, Kiron, Klemme, Knierim, Lacona, Lake City, Lake Mills, Lake Park, Lakeside, Lake View, Lamont, La Motte, Lanesboro, Lansing, La Porte City, Larchwood, Larrabee, Latimer, Laurel, Laurens, Lawler, Lawton, Le Grand, Lehigh, Leighton, Leland, Letts, Lewis, Lidderdale, Linden, Linn Grove, Lisbon, Liscomb, Little Cedar, Little Rock, Little Sioux, Lockridge, Logan, Lohrville, Lone Tree, Lowell, Luana, Lucas, Luzerne, Lynnville, Lytton, Macedonia, Madrid, Magnolia, Malcom, Malvern, Manilla, Manly, Manning, Manson, Mapleton, Marathon, Marble Rock, Marcus, Marengo, Marion, Marne, Marquette, Marshalltown, Martelle, Mason City, Maurice, Maxwell, Maynard, Mc Callsburg, Mc Clelland, Mc Gregor, Mc Intire, Mediapolis, Melbourne, Meriden, Meservey, Middletown, Milford, Milo, Minburn, Minden, Missouri Valley, Mitchell, Mitchellville, Modale, Mondamin, Monona, Montezuma, Montpelier, Montrose, Moorland, Morning Sun, Moscow, Mount Auburn, Mount Pleasant, Mount Union, Mount Vernon, Moville, Murray, Muscatine, Nashua, Nemaha, Neola, Nevada, New Albin, Newell, Newhall, New Hampton, New Hartford, New London, New Providence, New Sharon, New Vienna, New Virginia, Nichols, Nodaway, Nora Springs, North Buena Vista, North English, North Liberty, Northwood, Norwalk, Norway, Oakland, Oakville, Odebolt, Oelwein, Ogden, Okoboji, Olds, Ollie, Orange City, Orchard, Osage, Osceola, Oskaloosa, Ossian, Otho, Oto, Ottumwa, Oxford, Pacific Junction, Packwood, Palo, Panama, Parkersburg, Parnell, Paton, Paullina, Pella, Peosta, Perry, Persia, Peru, Peterson, Pierson, Pilot Mound, Pisgah, Plainfield, Pleasant Hill, Pleasantville, Plymouth, Polk City, Pomeroy, Popejoy, Portsmouth, Postville, Prairieburg, Prole, Quimby, Radcliffe, Rake, Randalia, Raymond, Readlyn, Redfield, Red Oak, Reinbeck, Rembrandt, Remsen, Renwick, Rhodes, Riceville, Richland, Ridgeway, Rinard, Ringsted, Rippey, Riverside, Robins, Rock Falls, Rockford, Rock Rapids, Rock Valley, Rockwell, Rockwell City, Roland, Rose Hill, Rowan, Royal, Rudd, Runnells, Russell, Ruthven, Sac City, Saint Ansgar, Saint Anthony, Saint Charles, Saint Olaf, Saint Paul, Salem, Salix, Scarville, Schaller, Scranton, Searsboro, Sergeant Bluff, Sheffield, Shelby, Sheldon, Shell Rock, Shellsburg, Sherrill, Sibley, Sigourney, Silver City, Sioux Center, Sioux City, Sioux Rapids, Slater, Sloan, Smithland, Solon, Somers, South English, Spencer, Sperry, Spirit Lake, Spring Hill, Springville, Stacyville, Stanley, Stanton, State Center, Steamboat Rock, Stockton, Storm Lake, Story City, Stratford, Strawberry Point, Sumner, Superior, Sutherland, Swaledale, Swan, Swisher, Tabor, Taintor, Tama, Templeton, Tennant, Terril, Thompson, Thor, Thornton, Tiffin, Toddville, Toeterville, Tracy, Treynor, Tripoli, Truro, Underwood, Union, Urbana, Urbandale, Van Horne, Van Meter, Ventura, Victor, Villisca, Vincent, Vinton, Viola, Volga, Voorhies, Wadena, Walker, Wallingford, Wall Lake, Walnut, Wapello, Washburn, Washta, Waterloo, Waterville, Watkins, Waucoma, Waukee, Waukon, Waverly, Wayland, Webb, Webster, Weldon, Wellman, West Branch, West Burlington, West Des Moines, Westgate, West Liberty, Westphalia, West Point, West Union, Wever, What Cheer, Williams, Williamson, Wilton, Windsor Heights, Winfield, Woden, Woodbine, Woodburn, Woodward, Woolstock, Worthington, Yale, Yarmouth, Zearing, Zwingle
For more information, see Iowa wiki
AllCreditCarLoans was founded to help car buyers, even those who may have experienced credit difficulties in the past, get car loan pre-approval before going to a dealership. By separating bad credit no credit car loan options from dealer price negotiations, we empower our clients to get the best deal possible.
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If you have a vehicle to trade-in, you should determine its value so that you can factor that into your budget. A good resource for determining your cars market value is Kelley Blue Book.
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If you've chosen to buy a new car, you will most likely be purchasing the vehicle from an auto dealership. In order to get the best deal on a new car loan, you should research the base price, the cost of optional features and the average dealer fees in your area. To get the best deal possible, work with AllCreditCarLoans to get a pre-approved car loan so that you can negotiate like a cash buyer.
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The plain truth is that obtaining auto loans or any other kind of personal loan, for that matter, is not as simple as it used to be, especially in Iowa. Large commercial banks don't want anything to do with personal loans, especially financing new cars. In most cases, people who buy a new car from a dealer wind up financing their loan through the dealership. The dealer will most likely tack additional charges onto the bottom line.
If your credit score is less than perfect you understand that you are facing many restrictions on the type of financing you can realistically get. Lending is a high risk venture. Now more than ever. The lender evaluates your repayment history. Nobody wants to lend money to someone known for defaulting on loans. Those who do, charge more interest and apply more restrictions. More interest equals to more of the money being paid back before you default. How your credit score affects your work ethic is another story. But, it is true. Some employers will not hire you if your credit is bad.
Similarly, you have the "title loan." You put up your car as collateral and agree to pay back the loan in a very short time. Usually about a week. This is basically legalized loan sharking. If you borrow $200, you pay back in the neighborhood of $300 to $400 hundred. This may help you buy a second vehicle, but think about it - is a second vehicle really that important? Why not take the bus for a while, save up and buy your second or first vehicle without all the extra charges?
Always carefully read all of the fine print in any kind of financial deal. If a no credit car loan will benefit your financial situation without putting you out on the ledge, then go for it.
If you're in the market for a vehicle and have bad credit, you've probably been asked by a car dealer or two in Iowa about whether or not you have money to put down. This is common and, depending upon your credit score, you may or may not have to have a down payment. All car dealers have different requirements for money down and it can depend on a number of factors. Here, we'll take a look at how different types of car dealerships and lenders view down payments, as well as, how they can affect your loan approval.
Most new car dealerships are able to apply rebates and incentives to reduce the need for money down. If you have negative equity in a vehicle that you're trading in, you may have to provide money down to cover the negative equity so that it's not carried over into your new loan. While buying a new car with bad credit isn't so common, there are many manufacturers that offer lower priced new cars with attractive financing incentives to make buying easier for people with lower credit scores.
Services available online in some cases may be able to match you with a lender willing to help you get approved for a car loan with little to no money down. It's a matter of finding the right combination of vehicle and dealer to work with your individual circumstances.
Having bad credit often leads to the need for a down payment when buying a car. New car dealerships may offer incentives or rebates to offset the need and used car dealers may be able to make the numbers work in your favor. Buy here pay here car lots generally always require down payments. Negative equity in the vehicle you're trading can prevent you from being able to buy without any money down.