Personal loans in Caledonia, MO

In Caledonia, one of 937 Census places in Missouri, the figure to compare across lenders is the APR, not the advertised rate. Caledonia is home to roughly 133 people and stands 752nd by size out of 937 Census places in Missouri. Census figures put the 2020-to-2023 increase in Caledonia at about 0.8%. Price two or three terms so you can see which payment is truly affordable in Caledonia. The closest larger city is Irondale, MO about 8 miles away.

Caledonia: population, trend and location

What follows is Caledonia's place in the Census record, alongside the Missouri rules that govern a personal loan made here.

• Population: the Census counts 133 residents in Caledonia (Vintage 2023 subcounty estimate), the 752nd-largest figure among Missouri's 937 places.
• Population trend: Growth of about 0.8% across the 2020-to-2023 comparison.
• Net change: roughly 1 more people than the 2020 Census counted.
• Size percentile: roughly 20% of Missouri's places have fewer residents than Caledonia's 133.
• Population density: about 811 people per square mile across 0.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
• Land area: Caledonia covers 0.2 square miles, the 838th-largest area among Missouri's 937 places.
• Share of state population: Caledonia's 133 residents are about 0.0% of Missouri.
• Nationally: Caledonia is the 17,550th-largest of 19,457 Census places in the dataset.
• Growth rank: Caledonia's 2020-to-2023 change ranks 395th of 937 places in Missouri.
• Against the state trend: Caledonia's 0.8% change compares with a Missouri average of +0.8% across its 937 places.
• Density in Missouri: Caledonia ranks 428th by people per square mile.
• Against the state median: Caledonia runs about 811 residents per square mile, where the Missouri median is 743.
• Location: the Census Gazetteer records it at 37.7648, -90.7724.
• Nearest larger cities: Irondale (8 mi); Bismarck (8 mi); Iron Mountain Lake (10 mi); Potosi (12 mi); Pilot Knob (12 mi). Living near a larger metro rarely changes what is available in Caledonia.
• Smaller towns nearby: Des Arc (34 mi); Miramiguoa Park (37 mi); St. Cloud (37 mi).
• Smaller neighbours: 6 places smaller than Caledonia sit within 50 miles.
• At 100 miles: 435 larger Census places fall inside that radius.

A practical checklist for Caledonia borrowers

Complete these steps first when you borrow in Caledonia (133 residents):

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Line up several pre-qualified offers and let the APR decide.
4. Check the Missouri regulator's records to confirm the lender is licensed here.
5. Make sure the new payment leaves room in a budget you already keep.
6. Pick the shortest term whose payment you can comfortably afford.
7. Keep the amount to the expense; an approval is not a reason to take more.

None of these steps is Caledonia-specific: the same Missouri licensing and disclosure rules reach all 133 residents.

How Missouri law applies in Caledonia

These are Missouri's sourced lending facts as they reach Caledonia's 133 residents; the state has no city-level rate rule.

What shapes a Caledonia personal loan

Caledonia is a small community of about 133 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Caledonia's rank of 752nd in Missouri: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Caledonia loan but raises total interest, so the smallest payment is not the cheapest loan.

Caledonia against the rest of Missouri

Caledonia is the 752nd-largest of 937 Census places in Missouri and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Caledonia stands 395th among Missouri's 937 places — roughly the 58th percentile. Its roughly 811 residents per square mile place it 428th among Missouri's places. The population moved by about 1 people between 2020 and 2023, a 0.8% shift.

How lenders reach Caledonia

Caledonia is moderately settled, with about 811 people per square mile and 60 larger places within 50 miles. A Missouri licence lets a lender serve Caledonia without a local office, so branch density does not change what its 133 residents are offered. The nearest bigger place is Irondale, MO about 8 miles away.