Personal loans in Harrisburg, MO
Two households in Harrisburg with comparable incomes can still be offered different rates; the city's 286 residents are not the reason.
For a community of about 286, the practical step is to compare APR across at least three lenders before committing. Harrisburg is one of 937 Census places in Missouri; its 286 residents put it at 579th. Lenders active in Harrisburg report to a Missouri supervisor, identified in the sourced rows below. From the 2020 Census base to the 2023 estimate, the population rose by about 6.3%. Borrowers who want a bigger city can look to Sturgeon, MO about 12 miles away.
Harrisburg by the numbers
The figures below are Harrisburg's own — Census population, land area and coordinates — followed by the Missouri rules.
- Population: 286 people, a figure that places Harrisburg 579th among the 937 Census places in Missouri (US Census Bureau, Vintage 2023).
- Population trend: About 6.3% above the 2020 Census base.
- Change in people: the 2020-to-2023 comparison is a gain of about 17 residents.
- Size percentile: about 38% of Missouri's Census places are smaller than Harrisburg.
- Population density: about 359 people per square mile across 0.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Harrisburg covers 0.8 square miles, the 478th-largest area among Missouri's 937 places.
- Share of Missouri: Harrisburg holds about 0.0% of the state's population, some 286 people.
- National rank: Harrisburg is 15,275th of 19,457 places nationwide.
- Growth in Missouri: Harrisburg stands 65th by percentage change from 2020 to 2023, among 937 places.
- State comparison: Missouri's places average +0.8% for 2020-to-2023, against Harrisburg's 6.3%.
- Density rank: Harrisburg places 745th among Missouri's places by people per square mile.
- Density in context: Harrisburg's 359 people per square mile sit against a Missouri median of 743.
- Location: latitude 39.1402, longitude -92.4596 (Census Gazetteer).
- Nearest larger cities: Sturgeon (12 mi); Higbee (12 mi); Fayette (12 mi); Hallsville (13 mi); Columbia (15 mi). Lenders licensed in the state serve Harrisburg whether or not they keep a local branch.
- Smaller towns nearby: Clark (11 mi); Rocheport (13 mi); Renick (14 mi).
- Within a 50-mile radius: 42 smaller Census places.
- At 100 miles: 217 larger Census places fall inside that radius.
Land, water and location for Harrisburg
The Census Gazetteer records about 0.8 square miles of land within Harrisburg, with no significant water area listed. With 286 residents, the land area yields roughly 359 people per square mile. For the state's biggest city, Kansas City, the distance is roughly 112 miles. Counting outward 50 miles, 47 larger communities surround Harrisburg. Within the same 50 miles lie 42 smaller Census places.
How lenders reach Harrisburg
Harrisburg is lightly settled, with about 359 people per square mile and 47 larger places within 50 miles. Whether Harrisburg has a local branch or not, a Missouri-licensed lender can serve its 286 people online on the same terms. The nearest larger city, Sturgeon, MO about 12 miles away.
The anatomy of a Harrisburg personal loan
In Harrisburg, a small community of about 286, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Harrisburg can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Harrisburg loan but raises total interest, so the smallest payment is not the cheapest loan.
Missouri rules behind a Harrisburg personal loan
For the roughly 286 residents of Harrisburg, the rules below are Missouri's own; each row carries its publisher and retrieval date.
| 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 |
| Small-loan / installment lender licensing | Consumer 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 |
Where Harrisburg sits in Missouri
Against Missouri's other places, Harrisburg accounts for about 0.0% of the state's population and ranks 579th of 937 by size. On the 2020-to-2023 trend, Harrisburg stands 65th among Missouri's 937 places — roughly the 93th percentile. By density, at about 359 people per square mile, it ranks 745th in Missouri. In land area, Harrisburg ranks 478th among Missouri's 937 places.
Common questions
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Nearby places
- Clark, MO — population 248
- Higbee, MO — population 444
- Rocheport, MO — population 210
- Sturgeon, MO — population 945
- Renick, MO — population 150
- Fayette, MO — population 2,805
- Huntsdale, MO — population 30
- Hallsville, MO — population 1,732