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Personal loans in Benton City, MO

In Benton City, one of 937 Census places in Missouri, the figure to compare across lenders is the APR, not the advertised rate. The Census counts 105 people in Benton City, the 785th-largest figure among Missouri's 937 places. Census figures put the 2020-to-2023 increase in Benton City at about 1.9%. Every figure below is Missouri's own, applied to Benton City's 105 residents, with the publisher and retrieval date attached. Work out your debt-to-income ratio first; lenders weigh it heavily, and Benton City's 105 residents are no exception. The nearest larger city is Mexico, MO about 6 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Benton City: the sourced local profile

The figures below are Benton City's own — Census population, land area and coordinates — followed by the Missouri rules.

What is available to Benton City borrowers

Benton City is moderately settled, with about 1,010 people per square mile and 80 larger places within 50 miles. What is available to Benton City's 105 borrowers is set by Missouri licensing and your own credit, not by how many branches are nearby. The nearest larger city, Mexico, MO about 6 miles away.

Benton City's place among Missouri's 937 places

Within Missouri, Benton City holds roughly 0.0% of all residents, the 785th-largest share among 937 places. On the 2020-to-2023 trend, Benton City stands 263rd among Missouri's 937 places — roughly the 72th percentile. Its roughly 1,010 residents per square mile place it 302nd among Missouri's places. Between 2020 and 2023 the count changed by roughly 2 residents.

Land, water and location for Benton City

Benton City covers about 0.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 105 residents, the land area yields roughly 1,010 people per square mile. For the state's biggest city, Kansas City, the distance is roughly 149 miles. A 50-mile radius around Benton City takes in 80 places that are larger. By land area it ranks 896th of 937 Missouri places.

The Missouri lending rules that reach Benton City

Read the table as a lender's compliance picture for Benton City: the rule, the sourced figure, the publisher and the date.

RuleDetailSource
State lending regulatorMissouri Division of Finance (Department of Commerce and Insurance)
Source says: "We regulate state-chartered banks, trust companies, consumer credit facilities, mortgage brokers, and savings and loan institutions"		Missouri Division of Finance
as of 2026-09-16
Additional loan fee cap (30+ day loans)Up to 10% of principal, capped at $100 (RSMo § 408.140)
Source says: "a fee, not to exceed ten percent of the principal amount loaned not to exceed one hundred dollars may be charged by the lender"		Missouri Revisor of Statutes
as of 2026-09-16
Maximum legal interest rate (usury cap)10% per annum, or the higher published 'market rate' (RSMo § 408.030)
Source says: "a rate of interest not exceeding ten percent per annum on money due or to become due upon any contract"		Missouri Revisor of Statutes
as of 2026-09-16

The Benton City borrowing checklist

A sensible order of operations for a loan in Benton City, home to about 105 people:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Test your amount and term in the personal loan calculator first.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Verify the lender's Missouri licence with the regulator listed on this page.
  5. Check that the monthly payment fits your budget next to your existing obligations.
  6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  7. Keep the amount to the expense; an approval is not a reason to take more.

In Benton City as elsewhere in Missouri, the written terms — not the advertisement — are what count for its 105 residents.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Benton City if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Benton City is the same as anywhere in Missouri.
What loan size can I expect in Benton City?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Benton City?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Benton City cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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