Personal loans in Henrietta, MO
The trend for Henrietta between 2020 and 2023 is downward by roughly 1.1%. By population, Henrietta sits at 590th in Missouri, with an estimated 273 residents. Henrietta, Missouri — home to about 273 people — is a small community, so the terms you are offered follow Missouri law rather than any local rule. Price two or three terms so you can see which payment is truly affordable in Henrietta. To lend to Henrietta's 273 residents, a company must hold a Missouri licence, and each sourced row below names the regulator behind it. Borrowers who want a bigger city can look to Richmond, MO about 3 miles away.
The Henrietta data picture
Read the local figures below as context; read the sourced Missouri table as the rulebook a lender here must follow.
- Population: 273 people, a figure that places Henrietta 590th among the 937 Census places in Missouri (US Census Bureau, Vintage 2023).
- Population trend: Lower by roughly 1.1% since the 2020 count.
- Absolute change: 3 residents lost between 2020 and 2023.
- Size percentile: roughly 37% of Missouri places rank below Henrietta.
- Population density: about 458 people per square mile (Census land area 0.6 sq mi).
- Land area rank: Henrietta's 0.6 square miles rank 544th of 937 places in Missouri.
- Within Missouri: about 0.0% of the state's population lives in Henrietta.
- National rank: Henrietta is the 15,439th most populous of the 19,457 Census places covered here.
- Growth in Missouri: Henrietta stands 654th by percentage change from 2020 to 2023, among 937 places.
- State comparison: Missouri's places average +0.8% for 2020-to-2023, against Henrietta's 1.1%.
- Density rank: Henrietta is the 664th most densely settled place in Missouri.
- Against the state median: Henrietta runs about 458 residents per square mile, where the Missouri median is 743.
- Location: coordinates 39.2370, -93.9384 (US Census Bureau Gazetteer).
- Nearest larger cities: Richmond (3 mi); Lexington (5 mi); Hardin (6 mi); Wellington (7 mi); Orrick (10 mi). For most borrowers the comparison happens online, not at a branch.
- Nearest smaller places: Camden (5 mi); Fleming (7 mi); Napoleon (11 mi).
- Within a 50-mile radius: 60 smaller Census places.
- Within 100 miles: 259 places are larger than Henrietta.
Which Missouri laws govern a loan in Henrietta
This table holds the Missouri rate and licensing rules for consumer loans made to Henrietta's 273 residents.
| 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 |
| Payday lending status | Legal 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 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 |
Steps to take before a Henrietta loan
These steps shape the offer you get in Henrietta, a place of about 273 people:
- Start with the credit file: order the reports, fix the errors, then apply.
- Test your amount and term in the personal loan calculator first.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Verify the lender's Missouri licence with the regulator listed on this page.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Decide the purpose and how you will repay it before approaching any lender.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
In Henrietta as elsewhere in Missouri, the written terms — not the advertisement — are what count for its 273 residents.
How lenders reach Henrietta
At roughly 458 people per square mile, Henrietta is lightly settled; 103 larger places lie within 50 miles. Whether Henrietta has a local branch or not, a Missouri-licensed lender can serve its 273 people online on the same terms. For a larger market, the closest option is Richmond, MO about 3 miles away.
Where Henrietta sits
Henrietta covers about 0.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 458 residents per square mile. The state's population centre of gravity, Kansas City, is roughly 34 miles away. Counting outward 50 miles, 103 larger communities surround Henrietta. Within the same 50 miles lie 60 smaller Census places.
Henrietta in state context
Within Missouri, Henrietta holds roughly 0.0% of all residents, the 590th-largest share among 937 places. Its 2020-to-2023 change ranks 654th of 937 Missouri places, putting it near the 30th percentile for growth. At about 458 people per square mile, Henrietta is the 664th most densely settled place in Missouri. Within 50 miles sit 60 smaller Census places, alongside the 103 that are larger.
Common questions
What are my options in Henrietta if my credit is poor?
What loan size can I expect in Henrietta?
Do I have to pledge anything to borrow in Henrietta?
Does comparing loans in Henrietta cost me credit score points?
Nearby places
- Richmond, MO — population 5,958
- Lexington, MO — population 4,585
- Camden, MO — population 175
- Wellington, MO — population 754
- Hardin, MO — population 559
- Fleming, MO — population 115
- Napoleon, MO — population 209
- Orrick, MO — population 740