Personal loans in Cairo, MO
A 2020-to-2023 comparison shows Cairo down by about 1.0%. A personal loan in Cairo is priced from your credit file and income, not from the fact that the city holds 203 people.
The Census estimates 203 residents in Cairo, which ranks it 659th of 937 places in Missouri. The closest larger city is Moberly, MO about 6 miles away. Every figure below is Missouri's own, applied to Cairo's 203 residents, with the publisher and retrieval date attached. Compare APR, not the interest rate, because the APR folds in most fees on a Cairo loan.
Where Cairo stands
Set out below is Cairo's local context next to the state-level rules that reach every lender here.
- Population: the Census counts 203 residents in Cairo (Vintage 2023 subcounty estimate), the 659th-largest figure among Missouri's 937 places.
- Population trend: Down about 1.0% from the 2020 Census base to the 2023 estimate.
- Change in people: the 2020-to-2023 comparison is a loss of about 2 residents.
- Size percentile: about 30% of Missouri's Census places are smaller than Cairo.
- Population density: about 677 people per square mile across 0.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Cairo covers 0.3 square miles, the 709th-largest area among Missouri's 937 places.
- State population share: Cairo accounts for about 0.0% of everyone in Missouri.
- National standing: Cairo ranks 16,431st of 19,457 US places.
- Growth rank: Cairo's 2020-to-2023 change ranks 636th of 937 places in Missouri.
- Against the state trend: Cairo's 1.0% change compares with a Missouri average of +0.8% across its 937 places.
- Density rank: Cairo is the 510th most densely settled place in Missouri.
- Against the state median: Cairo runs about 677 residents per square mile, where the Missouri median is 743.
- Location: latitude 39.5112, longitude -92.4410 (Census Gazetteer).
- Nearest larger cities: Moberly (6 mi); Huntsville (8 mi); Madison (12 mi); Higbee (15 mi); Macon (16 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller places nearby: Jacksonville (6 mi); Renick (12 mi); Clifton Hill (13 mi).
- Smaller neighbours: 40 places smaller than Cairo sit within 50 miles.
- Within 100 miles: 257 places are larger than Cairo.
Inside a Cairo personal loan
Cairo is a small community of about 203 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Cairo can be quoted different APRs on the same amount and term. Shortening the term on a Cairo loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
How Cairo compares across Missouri
Against Missouri's other places, Cairo accounts for about 0.0% of the state's population and ranks 659th of 937 by size. Its 2020-to-2023 change ranks 636th of 937 Missouri places, putting it near the 32th percentile for growth. At about 677 people per square mile, Cairo is the 510th most densely settled place in Missouri. In land area, Cairo ranks 709th among Missouri's 937 places.
Missouri consumer-lending rules applied in Cairo
For the roughly 203 residents of Cairo, the rules below are Missouri's own; each row carries its publisher and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Missouri 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 |
| 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 |
| Payday lending status | Legal and licensed — unsecured loans of $500 or less require a license from the Director of the Division of Finance (RSMo § 408.500) Source says: "in the business of making unsecured loans of five hundred dollars or less shall obtain a license from the director of the division of finance" | Missouri Revisor of Statutes as of 2026-09-16 |
What is available to Cairo borrowers
Cairo is moderately settled, with about 677 people per square mile and 52 larger places within 50 miles. A Missouri licence lets a lender serve Cairo without a local office, so branch density does not change what its 203 residents are offered. For a larger market, the closest option is Moberly, MO about 6 miles away.
Land, water and location for Cairo
Cairo covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 677 residents per square mile. Kansas City, the largest place in Missouri, is about 116 miles from Cairo. A 50-mile radius around Cairo takes in 52 places that are larger. The 100-mile radius contains 257 larger places.
Common questions
What are my options in Cairo if my credit is poor?
What loan size can I expect in Cairo?
Do I have to pledge anything to borrow in Cairo?
Does comparing loans in Cairo cost me credit score points?
Nearby places
- Jacksonville, MO — population 121
- Moberly, MO — population 13,296
- Huntsville, MO — population 1,357
- Renick, MO — population 150
- Higbee, MO — population 444
- Madison, MO — population 520
- Macon, MO — population 5,495
- Clifton Hill, MO — population 86