Personal loans in Camdenton, MO
In Camdenton, one of 937 Census places in Missouri, the figure to compare across lenders is the APR, not the advertised rate.
To lend to Camdenton's 4,058 residents, a company must hold a Missouri licence, and each sourced row below names the regulator behind it. At about 4,058 residents, Camdenton is larger than roughly 83% of the places in Missouri. Use the calculator on this page to price an amount and term before you commit in Camdenton. From the 2020 Census base to the 2023 estimate, the population rose by about 2.3%. For a bigger market, look to Osage Beach, MO about 10 miles away.
The Camdenton data picture
Most of what governs a Camdenton loan is written in Missouri law rather than in the city; the sourced notes below make that split concrete.
- Population: about 4,058, ranked 162nd of 937 places in Missouri (Census Vintage 2023 subcounty estimate).
- Population trend: Growth of about 2.3% across the 2020-to-2023 comparison.
- Absolute change: 93 residents added between 2020 and 2023.
- Size percentile: with 4,058 residents, Camdenton is larger than about 83% of Missouri's Census places.
- Population density: 739 people per square mile on 5.5 square miles of land.
- Land area: Camdenton covers 5.5 square miles, the 120th-largest area among Missouri's 937 places.
- Share of Missouri: Camdenton holds about 0.1% of the state's population, some 4,058 people.
- National rank: Camdenton is 5,415th of 19,457 places nationwide.
- Growth in Missouri: Camdenton stands 226th by percentage change from 2020 to 2023, among 937 places.
- Against the state trend: Camdenton's 2.3% change compares with a Missouri average of +0.8% across its 937 places.
- Density rank: Camdenton is the 474th most densely settled place in Missouri.
- Density in context: Camdenton's 739 people per square mile sit against a Missouri median of 743.
- Location: it lies at 38.0132, -92.7514 in the Census Gazetteer.
- Nearest larger cities: Osage Beach (10 mi); Lebanon (24 mi); Eldon (25 mi); Waynesville (32 mi); St. Robert (35 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Linn Creek (3 mi); Friedenswald (4 mi); Sunrise Beach (10 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 64 smaller Census places.
- Larger places within 100 miles: 44.
Where Camdenton sits in Missouri
Within Missouri, Camdenton holds roughly 0.1% of all residents, the 162nd-largest share among 937 places. Its 2020-to-2023 change ranks 226th of 937 Missouri places, putting it near the 76th percentile for growth. By density, at about 739 people per square mile, it ranks 474th in Missouri. By land area, its 5.5 square miles rank 120th of 937 places in Missouri.
Borrowing reach in Camdenton
With about 739 residents per square mile, Camdenton is moderately settled, and 9 larger Census places sit within 50 miles. A Missouri licence lets a lender serve Camdenton without a local office, so branch density does not change what its 4,058 residents are offered. The nearest bigger place is Osage Beach, MO about 10 miles away.
What a Camdenton borrower is actually offered
Most loans made to Camdenton's 4,058 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Camdenton loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Camdenton decides the split between a comfortable payment and the total interest you pay.
What Missouri law requires in Camdenton
Below are the Missouri rules that apply to a loan made in Camdenton, each with the regulator that issued it.
| 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 |
| 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 |
A practical checklist for Camdenton borrowers
Complete these steps first when you borrow in Camdenton (4,058 residents):
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Check the Missouri regulator's records to confirm the lender is licensed here.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Write down the purpose of the loan and your repayment plan before you apply.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
In Camdenton as elsewhere in Missouri, the written terms — not the advertisement — are what count for its 4,058 residents.
Common questions
What are my options in Camdenton if my credit is poor?
What loan size can I expect in Camdenton?
Do I have to pledge anything to borrow in Camdenton?
Does comparing loans in Camdenton cost me credit score points?
Nearby places
- Linn Creek, MO — population 223
- Friedenswald, MO — population 1
- Sunrise Beach, MO — population 502
- Osage Beach, MO — population 4,856
- Village of Four Seasons, MO — population 2,496
- Laurie, MO — population 1,047
- Lake Ozark, MO — population 2,200
- Bagnell, MO — population 44