Personal loans in Ellsinore, MO

Two households in Ellsinore with comparable incomes can still be offered different rates; the city's 422 residents are not the reason. The 2020 count to the 2023 estimate shows about 1.7% growth in Ellsinore.

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.

An estimated 422 people make their home in Ellsinore, a figure that ranks 499th in Missouri. Use the calculator on this page to price an amount and term before you commit in Ellsinore. Lenders active in Ellsinore report to a Missouri supervisor, identified in the sourced rows below. For a bigger market, look to Piedmont, MO about 15 miles away.

The Ellsinore data picture

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

Ellsinore in state context

Among Missouri's 937 places, Ellsinore sits at 499th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Ellsinore ranks 296th of 937 in Missouri (about the 68th percentile). At about 834 people per square mile, Ellsinore is the 410th most densely settled place in Missouri. Between 2020 and 2023 the count changed by roughly 7 residents.

Ellsinore: area, density and distance

Ellsinore covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 422 residents, the land area yields roughly 834 people per square mile. Kansas City, the largest place in Missouri, is about 256 miles from Ellsinore. Ellsinore has 27 larger places within a 50-mile radius. The 100-mile radius contains 188 larger places.

Missouri rules behind a Ellsinore personal loan

For the roughly 422 residents of Ellsinore, the rules below are Missouri's own; each row carries its publisher and retrieval date.

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

How personal loans work in Ellsinore

In Ellsinore, a small community of about 422, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The rate you see advertised is a range, not a promise, until a lender reviews your file in Ellsinore. The term you choose in Ellsinore decides the split between a comfortable payment and the total interest you pay.

What is available to Ellsinore borrowers

Ellsinore is a moderately settled community of about 422 people, with 27 larger places inside a 50-mile radius. Lenders licensed in Missouri reach Ellsinore's 422 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Piedmont, MO about 15 miles away.

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