Personal loans in Kimmswick, MO
Kimmswick, Missouri — home to about 135 people — is a small community, so the terms you are offered follow Missouri law rather than any local rule.
The Census counts 135 people in Kimmswick, the 745th-largest figure among Missouri's 937 places. Use the calculator on this page to price an amount and term before you commit in Kimmswick. Kimmswick lost roughly 0.7% of its population across the 2020-to-2023 comparison. State law, not city hall, decides what a lender may do to Kimmswick's roughly 135 residents, and a state regulator supervises it. The next larger city is Arnold, MO about 4 miles away.
Where Kimmswick stands
Here is the sourced Census picture for Kimmswick, plus the Missouri lending rules that apply to a loan taken out here.
- Population: the Census counts 135 residents in Kimmswick (Vintage 2023 subcounty estimate), the 745th-largest figure among Missouri's 937 places.
- Population trend: Down about 0.7% from the 2020 Census base to the 2023 estimate.
- Absolute change: 1 residents lost between 2020 and 2023.
- Size percentile: about 20% of Missouri's Census places are smaller than Kimmswick.
- Population density: about 577 people per square mile across 0.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Kimmswick ranks 767th among Missouri's 937 places, at 0.2 sq mi.
- State population share: Kimmswick accounts for about 0.0% of everyone in Missouri.
- National rank: Kimmswick is the 17,518th most populous of the 19,457 Census places covered here.
- Growth rank: Kimmswick ranks 608th among Missouri's 937 places for the 2020-to-2023 change.
- Against the state trend: Kimmswick's 0.7% change compares with a Missouri average of +0.8% across its 937 places.
- Density rank: Kimmswick places 585th among Missouri's places by people per square mile.
- Against the state median: Kimmswick runs about 577 residents per square mile, where the Missouri median is 743.
- Location: 38.3658 / -90.3643, per the US Census Bureau Gazetteer.
- Nearest larger cities: Arnold (4 mi); Valmeyer (5 mi); Pevely (6 mi); Herculaneum (8 mi); Crystal City (10 mi). Larger metros often have more branches, but online lenders reach Kimmswick on the same terms.
- Nearest smaller towns: Peaceful Village (12 mi); Fults (16 mi); Country Life Acres (18 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 17 of them.
- At 100 miles: 519 larger Census places fall inside that radius.
How Missouri law applies in Kimmswick
Every row below records a Missouri rule, its publisher and its retrieval date — the same rules a Kimmswick lender must follow.
| 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 |
| 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 |
| 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 |
Kimmswick in state context
Kimmswick is the 745th-largest of 937 Census places in Missouri and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 608th of 937 Missouri places, putting it near the 35th percentile for growth. Its roughly 577 residents per square mile place it 585th among Missouri's places. Within 50 miles sit 17 smaller Census places, alongside the 225 that are larger.
What to do before borrowing in Kimmswick
Complete these steps first when you borrow in Kimmswick (135 residents):
- Get your credit reports, dispute what is wrong, and only then start shopping.
- Model the payment on the calculator before a lender models it for you.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Make sure the lender appears in the Missouri regulator's licence list.
- Check that the monthly payment fits your budget next to your existing obligations.
- Weigh a shorter term's higher payment against the interest it saves.
- Keep the amount to the expense; an approval is not a reason to take more.
The process is identical across Missouri; what changes is your credit file, not the fact that Kimmswick holds 135 people.
Land, water and location for Kimmswick
Kimmswick covers about 0.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 135 residents, the land area yields roughly 577 people per square mile. The largest place in Missouri, Kansas City, lies about 232 miles away. A 50-mile radius around Kimmswick takes in 225 places that are larger. Within the same 50 miles lie 17 smaller Census places.
Borrowing reach in Kimmswick
Kimmswick is a moderately settled community of about 135 people, with 225 larger places inside a 50-mile radius. Whether Kimmswick has a local branch or not, a Missouri-licensed lender can serve its 135 people online on the same terms. The nearest larger city, Arnold, MO about 4 miles away.
Common questions
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Nearby places
- Arnold, MO — population 21,059
- Pevely, MO — population 6,064
- Valmeyer, IL — population 1,212
- Herculaneum, MO — population 5,245
- Crystal City, MO — population 4,717
- Festus, MO — population 13,443
- Green Park, MO — population 2,664
- Sunset Hills, MO — population 9,041