Personal loans in Clarkton, MO
Rate ceilings, licensing requirements and product limits for Clarkton are all set at the Missouri level. The first question in Clarkton is not the rate on offer but whether the payment fits; about 956 people live here under Missouri lending law. Roughly 956 residents live in Clarkton, the 346th-largest community in Missouri. Census figures put the 2020-to-2023 decrease in Clarkton at about 5.2%. Begin with the payment, then weigh APR and total interest across the lenders that reach Clarkton's 956 residents. For a bigger market, look to Campbell, MO about 7 miles away.
What the Census records for Clarkton
Set out below is Clarkton's local context next to the state-level rules that reach every lender here.
- Population: 956 people, a figure that places Clarkton 346th among the 937 Census places in Missouri (US Census Bureau, Vintage 2023).
- Population trend: About 5.2% below the 2020 Census base.
- Net change: roughly 52 fewer people than the 2020 Census counted.
- Size percentile: Clarkton sits ahead of around 63% of Missouri places, at 956 people.
- Population density: about 847 people per square mile across 1.1 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Clarkton ranks 388th among Missouri's 937 places, at 1.1 sq mi.
- Share of Missouri: Clarkton holds about 0.0% of the state's population, some 956 people.
- National rank: Clarkton is 10,415th of 19,457 places nationwide.
- Growth rank: Clarkton ranks 910th among Missouri's 937 places for the 2020-to-2023 change.
- Versus Missouri: the state average change is +0.8%, while Clarkton moved 5.2%.
- Density rank: Clarkton is the 400th most densely settled place in Missouri.
- Density in context: Clarkton's 847 people per square mile sit against a Missouri median of 743.
- Location: mapped by the US Census Bureau at 36.4520, -89.9681.
- Nearest larger cities: Campbell (7 mi); Malden (10 mi); Piggott (14 mi); Portageville (15 mi); Bernie (15 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Gideon (3 mi); Holcomb (5 mi); Tallapoosa (9 mi).
- Smaller neighbours: 64 places smaller than Clarkton sit within 50 miles.
- At 100 miles: 135 larger Census places fall inside that radius.
Clarkton: area, density and distance
The Census Gazetteer records about 1.1 square miles of land within Clarkton, with no significant water area listed. Spread across it are roughly 847 residents per square mile. The largest place in Missouri, Kansas City, lies about 311 miles away. Within 50 miles of Clarkton there are 37 larger Census places. By land area it ranks 388th of 937 Missouri places.
Where Clarkton sits in Missouri
Among Missouri's 937 places, Clarkton sits at 346th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Clarkton ranks 910th of 937 in Missouri (about the 3th percentile). Its roughly 847 residents per square mile place it 400th among Missouri's places. Within 50 miles sit 64 smaller Census places, alongside the 37 that are larger.
The Clarkton borrowing checklist
For Clarkton's roughly 956 residents, these are the steps that most influence the offer:
- Start with the credit file: order the reports, fix the errors, then apply.
- Price the payment first with our personal loan calculator before any lender quotes you.
- Get several pre-qualifications and compare APR side by side before choosing.
- Look the lender up in the Missouri regulator's licence records before you sign.
- Weigh a shorter term's higher payment against the interest it saves.
- Keep the amount to the expense; an approval is not a reason to take more.
- Be clear on what the loan is for and how it gets repaid.
The process is identical across Missouri; what changes is your credit file, not the fact that Clarkton holds 956 people.
The Missouri lending rules that reach Clarkton
These are Missouri's sourced lending facts as they reach Clarkton's 956 residents; the state has no city-level rate rule.
| 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 |
What shapes a Clarkton personal loan
Clarkton is a small community of about 956 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 Clarkton can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Clarkton loan but raises total interest, so the smallest payment is not the cheapest loan.
Common questions
What are my options in Clarkton if my credit is poor?
What loan size can I expect in Clarkton?
Do I have to pledge anything to borrow in Clarkton?
Does comparing loans in Clarkton cost me credit score points?
Nearby places
- Gideon, MO — population 728
- Holcomb, MO — population 597
- Campbell, MO — population 1,525
- Malden, MO — population 3,524
- Tallapoosa, MO — population 74
- St. Francis, AR — population 209
- Risco, MO — population 265
- Wardell, MO — population 286