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Personal loans in Fillmore, MO

For a borrower among the roughly 176 residents of Fillmore, a personal loan is a tool whose cost turns on the terms, not the address. A single loan can carry different costs on either side of a state line, and Fillmore sits on the Missouri side of that line. Fillmore ranks 697th of 937 places in Missouri, with a population near 176. Compare APR, not the interest rate, because the APR folds in most fees on a Fillmore loan. The 2020-to-2023 change in Fillmore is negligible, under a tenth of a percent. Borrowers who want a bigger city can look to Oregon, MO about 9 miles away.

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.

What the Census records for Fillmore

Fillmore is a small community; the notes below cover its population profile and the statewide rules that apply.

What a Fillmore borrower is actually offered

Fillmore is a small community of about 176 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Fillmore's 176 residents must disclose the APR and finance charge in writing before you sign. The term you choose in Fillmore decides the split between a comfortable payment and the total interest you pay.

Steps to take before a Fillmore loan

Before you hand your details to a lender in Fillmore, where the population is near 176:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Test your amount and term in the personal loan calculator first.
  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. Weigh a shorter term's higher payment against the interest it saves.
  6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  7. Be clear on what the loan is for and how it gets repaid.

What differs between Fillmore and the rest of Missouri is not the process but the borrower's own file, among the 176 people here.

The state rulebook for Fillmore

Every row below records a Missouri rule, its publisher and its retrieval date — the same rules a Fillmore lender must follow.

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
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
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

Fillmore's place among Missouri's 937 places

Fillmore is the 697th-largest of 937 Census places in Missouri and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 487th of 937 Missouri places, putting it near the 48th percentile for growth. At about 1,266 people per square mile, Fillmore is the 191st most densely settled place in Missouri. The population moved by about 0 people between 2020 and 2023, a 0.0% shift.

How lenders reach Fillmore

With about 1,266 residents per square mile, Fillmore is moderately settled, and 67 larger Census places sit within 50 miles. A Missouri licence lets a lender serve Fillmore without a local office, so branch density does not change what its 176 residents are offered. The nearest bigger place is Oregon, MO about 9 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 Fillmore 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 Fillmore is the same as anywhere in Missouri.
What loan size can I expect in Fillmore?
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 Fillmore?
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 Fillmore 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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