Personal loans in Foley, MO

The roughly 101 people who live in Foley borrow under Missouri rules; city hall sets no personal-loan rate. The Census counts 101 people in Foley, the 795th-largest figure among Missouri's 937 places.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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.

A 2020-to-2023 comparison shows Foley up by about 9.8%. A lender that serves Foley operates under Missouri lending statutes and a Missouri supervisor. Verify the lender's Missouri licence against the regulator named below before borrowing in Foley. The next larger city is Winfield, MO about 4 miles away.

Foley: population, trend and location

Set out below is Foley's local context next to the state-level rules that reach every lender here.

The Missouri lending rules that reach Foley

These are Missouri's sourced lending facts as they reach Foley's 101 residents; the state has no city-level rate rule.

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

Foley: area, density and distance

The Census Gazetteer records about 0.2 square miles of land within Foley, with no significant water area listed. That land carries about 515 people per square mile. The state's population centre of gravity, Kansas City, is roughly 204 miles away. Counting outward 50 miles, 218 larger communities surround Foley. The 100-mile radius contains 545 larger places.

Borrowing reach in Foley

Foley is moderately settled, with about 515 people per square mile and 218 larger places within 50 miles. A Missouri licence lets a lender serve Foley without a local office, so branch density does not change what its 101 residents are offered. The nearest larger city, Winfield, MO about 4 miles away.

Before you apply in Foley

Before you hand your details to a lender in Foley, where the population is near 101:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Look the lender up in the Missouri regulator's licence records before you sign.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Borrow only what the purpose requires, not the maximum you are offered.
  7. Write down the purpose of the loan and your repayment plan before you apply.

In Foley as elsewhere in Missouri, the written terms — not the advertisement — are what count for its 101 residents.

Foley's place among Missouri's 937 places

Among Missouri's 937 places, Foley sits at 795th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Foley stands 25th among Missouri's 937 places — roughly the 97th percentile. By density, at about 515 people per square mile, it ranks 623rd in Missouri. Between 2020 and 2023 the count changed by roughly 9 residents.

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

Nearby places

Related