Personal loans in Butler, MO

From the 2020 Census base to the 2023 estimate, the population rose by about 0.9%. By population, Butler sits at 159th in Missouri, with an estimated 4,257 residents.

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.

The first question in Butler is not the rate on offer but whether the payment fits; about 4,257 people live here under Missouri lending law. Begin with the payment, then weigh APR and total interest across the lenders that reach Butler's 4,257 residents. Lenders active in Butler report to a Missouri supervisor, identified in the sourced rows below. For a bigger market, look to Harrisonville, MO about 27 miles away.

Local context for Butler

Only a few things actually differ by place — population, area, location, and the Missouri rules a lender must follow — and they are below.

Butler: area, density and distance

The Census Gazetteer records about 4.1 square miles of land within Butler, with no significant water area listed. That land carries about 1,047 people per square mile. For the state's biggest city, Kansas City, the distance is roughly 61 miles. Butler has 18 larger places within a 50-mile radius. By land area it ranks 160th of 937 Missouri places.

How personal loans work in Butler

A Butler personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 4,257 residents. Because pricing is borrower-level, two people in Butler can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Butler loan but raises total interest, so the smallest payment is not the cheapest loan.

Lender access in Butler

With about 1,047 residents per square mile, Butler is moderately settled, and 18 larger Census places sit within 50 miles. Lenders licensed in Missouri reach Butler's 4,257 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Harrisonville, MO about 27 miles away.

How Butler compares across Missouri

Against Missouri's other places, Butler accounts for about 0.1% of the state's population and ranks 159th of 937 by size. Its 2020-to-2023 change ranks 387th of 937 Missouri places, putting it near the 59th percentile for growth. By density, at about 1,047 people per square mile, it ranks 278th in Missouri. Within 50 miles sit 84 smaller Census places, alongside the 18 that are larger.

How Missouri law applies in Butler

This table holds the Missouri rate and licensing rules for consumer loans made to Butler's 4,257 residents.

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
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 Butler 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 Butler is the same as anywhere in Missouri.
What loan size can I expect in Butler?
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 Butler?
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 Butler 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.

Nearby places

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