Personal loans in Ionia, MO

A lender that serves Ionia operates under Missouri lending statutes and a Missouri supervisor. Ionia is a small community in Missouri, with an estimated 78 residents, and every licensed lender here follows the same state rulebook.

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.

Ionia ranks 824th of 937 places in Missouri, with a population near 78. The trend for Ionia between 2020 and 2023 is upward by roughly 5.4%. Price two or three terms so you can see which payment is truly affordable in Ionia. The nearest larger city is Cole Camp, MO about 7 miles away.

Ionia by the numbers

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

Lender access in Ionia

Ionia is moderately settled, with about 527 people per square mile and 80 larger places within 50 miles. A Missouri licence lets a lender serve Ionia without a local office, so branch density does not change what its 78 residents are offered. The nearest bigger place is Cole Camp, MO about 7 miles away.

How personal loans work in Ionia

In Ionia, a small community of about 78, 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 Ionia can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Ionia loan is knowable in advance — unlike a revolving card balance.

How Ionia compares across Missouri

Among Missouri's 937 places, Ionia sits at 824th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 86th of 937 Missouri places, putting it near the 91th percentile for growth. Its roughly 527 residents per square mile place it 616th among Missouri's places. Between 2020 and 2023 the count changed by roughly 4 residents.

Ionia: area, density and distance

Ionia covers about 0.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 78 residents, the land area yields roughly 527 people per square mile. The largest place in Missouri, Kansas City, lies about 79 miles away. A 50-mile radius around Ionia takes in 80 places that are larger. Within the same 50 miles lie 11 smaller Census places.

Missouri consumer-lending rules applied in Ionia

These are Missouri's sourced lending facts as they reach Ionia's 78 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

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

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