Personal loans in Catron, MO

In Catron, one of 937 Census places in Missouri, the figure to compare across lenders is the APR, not the advertised rate. With 38 residents, Catron outranks about 4% of the communities in Missouri.

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.

Catron lost roughly 2.6% of its population across the 2020-to-2023 comparison. Price two or three terms so you can see which payment is truly affordable in Catron. The closest larger place is Lilbourn, MO about 5 miles away. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Catron's 38 residents.

The Catron data picture

Read the local figures below as context; read the sourced Missouri table as the rulebook a lender here must follow.

How a Catron personal loan is priced

Most loans made to Catron's 38 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Catron loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Catron loan but raises total interest, so the smallest payment is not the cheapest loan.

A practical checklist for Catron borrowers

A sensible order of operations for a loan in Catron, home to about 38 people:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Verify the lender's Missouri licence with the regulator listed on this page.
  5. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  6. Write down the purpose of the loan and your repayment plan before you apply.
  7. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.

What differs between Catron and the rest of Missouri is not the process but the borrower's own file, among the 38 people here.

Catron on the map

Catron covers about 0.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 38 residents, the land area yields roughly 102 people per square mile. The largest place in Missouri, Kansas City, lies about 316 miles away. Within 50 miles of Catron there are 109 larger Census places. Within the same 50 miles lie 1 smaller Census places.

Which Missouri laws govern a loan in Catron

The rows below set out what a licensed lender must follow in Missouri, and so for Catron's roughly 38 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

Catron in state context

Against Missouri's other places, Catron accounts for about 0.0% of the state's population and ranks 901st of 937 by size. Its 2020-to-2023 change ranks 816th of 937 Missouri places, putting it near the 13th percentile for growth. At about 102 people per square mile, Catron is the 904th most densely settled place in Missouri. The population moved by about 1 people between 2020 and 2023, a 2.6% shift.

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

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