Personal loans in Birmingham, MO

Birmingham ranks 679th of 937 places in Missouri, with a population near 188. The next larger city is Claycomo, MO about 3 miles away. A single loan can carry different costs on either side of a state line, and Birmingham sits on the Missouri side of that line. Pull your credit reports and line up at least three offers before you apply from Birmingham.

Borrowing in Birmingham: the local picture

Set out below is Birmingham's local context next to the state-level rules that reach every lender here.

• Population: an estimated 188 residents, 679th of 937 places in Missouri (Census Vintage 2023 subcounty estimate).
• Population trend: A decline of about 0.5% across the 2020-to-2023 comparison.
• Net change: roughly 1 fewer people than the 2020 Census counted.
• Size percentile: bigger than about 28% of the places in Missouri, with 188 residents in Birmingham.
• Density: roughly 335 residents per square mile, spread over 0.6 sq mi of land.
• Land area: Birmingham covers 0.6 square miles, the 561st-largest area among Missouri's 937 places.
• State population share: Birmingham accounts for about 0.0% of everyone in Missouri.
• National rank: Birmingham sits 16,651st by population among the 19,457 places in this dataset.
• Growth in Missouri: Birmingham stands 582nd by percentage change from 2020 to 2023, among 937 places.
• Against the state trend: Birmingham's 0.5% change compares with a Missouri average of +0.8% across its 937 places.
• Density rank: Birmingham is the 764th most densely settled place in Missouri.
• Density vs Missouri: Birmingham's 335 people per square mile compare with a state median of 743.
• Location: the Census Gazetteer records it at 39.1676, -94.4501.
• Nearest larger cities: Claycomo (3 mi); Sugar Creek (3 mi); Glenaire (4 mi); Pleasant Valley (4 mi); Avondale (5 mi). Lenders licensed in the state serve Birmingham whether or not they keep a local branch.
• Smaller places close by: Randolph (2 mi); River Bend (3 mi); Oaks (7 mi).
• Smaller places within 50 miles: 27 of them.
• At 100 miles: 316 larger Census places fall inside that radius.

Where Birmingham sits in Missouri

Among Missouri's 937 places, Birmingham sits at 679th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 582nd of 937 Missouri places, putting it near the 38th percentile for growth. At about 335 people per square mile, Birmingham is the 764th most densely settled place in Missouri. The population moved by about 1 people between 2020 and 2023, a 0.5% shift.

Where Birmingham sits

Birmingham covers about 0.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 335 residents per square mile. For the state's biggest city, Kansas City, the distance is roughly 6 miles. A 50-mile radius around Birmingham takes in 142 places that are larger. By land area it ranks 561st of 937 Missouri places.

How lenders reach Birmingham

With about 335 residents per square mile, Birmingham is lightly settled, and 142 larger Census places sit within 50 miles. Lenders licensed in Missouri reach Birmingham's 188 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Claycomo, MO about 3 miles away.

What Missouri law requires in Birmingham

When Missouri does not publish a figure, the row links to the source instead of inventing a number; Birmingham is bound by the same rules.

How personal loans work in Birmingham

Most loans made to Birmingham's 188 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Birmingham's 188 residents must disclose the APR and finance charge in writing before you sign. A longer term lowers the monthly payment on a Birmingham loan but raises total interest, so the smallest payment is not the cheapest loan.