Personal loans in Dudley, MO

With roughly 101 residents, Dudley is a small community, and the lending rules its borrowers live under are written in Missouri, not by the city.

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.

Decide the purpose of the loan and your repayment plan before sharing any details with a Dudley lender. About 101 people live in Dudley, placing it 794th of 937 Census places in Missouri. Rate ceilings, licensing requirements and product limits for Dudley are all set at the Missouri level. From the 2020 Census base to the 2023 estimate, the population declined by about 1.0%. For a bigger market, look to Fisk, MO about 6 miles away.

Dudley: the sourced local profile

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

How Dudley compares across Missouri

Dudley is the 794th-largest of 937 Census places in Missouri and contains about 0.0% of the state's people. For population change between 2020 and 2023, Dudley ranks 638th of 937 in Missouri (about the 32th percentile). Its roughly 260 residents per square mile place it 814th among Missouri's places. By land area, its 0.4 square miles rank 637th of 937 places in Missouri.

How lenders reach Dudley

At roughly 260 people per square mile, Dudley is lightly settled; 81 larger places lie within 50 miles. A Missouri licence lets a lender serve Dudley without a local office, so branch density does not change what its 101 residents are offered. The nearest larger city, Fisk, MO about 6 miles away.

Where Dudley sits

Dudley covers about 0.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 260 residents per square mile. Kansas City, the largest place in Missouri, is about 292 miles from Dudley. Dudley has 81 larger places within a 50-mile radius. Within the same 50 miles lie 16 smaller Census places.

How a Dudley personal loan is priced

A Dudley personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 101 residents. The rate you see advertised is a range, not a promise, until a lender reviews your file in Dudley. Because the payment is fixed, the total cost of a Dudley loan is knowable in advance — unlike a revolving card balance.

Which Missouri laws govern a loan in Dudley

When Missouri does not publish a figure, the row links to the source instead of inventing a number; Dudley is bound by the same rules.

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
Payday lending statusLegal 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
Small-loan / installment lender licensingConsumer credit lenders licensed and regulated by the Division of Finance's consumer credit section (Chapters 367 and 408, RSMo)
Source says: "The consumer credit section of the Missouri Division of Finance is responsible for licensing and regulating various types of consumer finance companies"		Missouri Division of Finance
as of 2026-09-16
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 Dudley 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 Dudley is the same as anywhere in Missouri.
What loan size can I expect in Dudley?
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 Dudley?
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 Dudley 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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