Personal loans in Laclede, MO
An estimated 299 people make their home in Laclede, a figure that ranks 569th in Missouri. Laclede shed about 1.0% of its population between the 2020 base and the 2023 estimate. Laclede, Missouri — home to about 299 people — is a small community, so the terms you are offered follow Missouri law rather than any local rule. Rate ceilings, licensing requirements and product limits for Laclede are all set at the Missouri level. Use the calculator on this page to price an amount and term before you commit in Laclede. The closest larger city is Brookfield, MO about 5 miles away.
Where Laclede stands
Set out below is Laclede's local context next to the state-level rules that reach every lender here.
- Population: the Census counts 299 residents in Laclede (Vintage 2023 subcounty estimate), the 569th-largest figure among Missouri's 937 places.
- Population trend: Roughly 1.0% fewer residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a loss of about 3 residents.
- Size percentile: Laclede's 299 people outrank roughly 39% of the places in Missouri.
- Population density: about 239 people per square mile across 1.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Laclede's 1.2 square miles rank 363rd of 937 places in Missouri.
- Water area: Laclede has 0.02 square miles of water, ranking 201st of 937 places in Missouri.
- Within Missouri: about 0.0% of the state's population lives in Laclede.
- National rank: Laclede sits 15,129th by population among the 19,457 places in this dataset.
- Growth rank: Laclede ranks 644th among Missouri's 937 places for the 2020-to-2023 change.
- Against the state trend: Laclede's 1.0% change compares with a Missouri average of +0.8% across its 937 places.
- Density in Missouri: Laclede ranks 832nd by people per square mile.
- Against the state median: Laclede runs about 239 residents per square mile, where the Missouri median is 743.
- Location: 39.7874, -93.1697 (Census Gazetteer coordinates).
- Nearest larger cities: Brookfield (5 mi); Meadville (7 mi); Marceline (13 mi); Bucklin (15 mi); Hale (16 mi). Online lenders reach Laclede no matter how far the nearest branch is.
- Nearest smaller towns: Linneus (6 mi); Sumner (10 mi); Rothville (11 mi).
- Smaller neighbours: 56 places smaller than Laclede sit within 50 miles.
- Within 100 miles: 228 places are larger than Laclede.
Where Laclede sits
Inside Laclede's boundaries lie roughly 1.2 square miles of land and 0.02 square miles of water. The resulting density is about 239 people per square mile. The largest place in Missouri, Kansas City, lies about 87 miles away. Counting outward 50 miles, 36 larger communities surround Laclede. The 100-mile radius contains 228 larger places.
Getting a loan in Laclede
Laclede is lightly settled, with about 239 people per square mile and 36 larger places within 50 miles. Lenders licensed in Missouri reach Laclede's 299 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Brookfield, MO about 5 miles away.
What a Laclede borrower is actually offered
In Laclede, a small community of about 299, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Laclede's 299 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Laclede loan is knowable in advance — unlike a revolving card balance.
The state rulebook for Laclede
When Missouri does not publish a figure, the row links to the source instead of inventing a number; Laclede is bound by the same rules.
| 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 |
Laclede in state context
Laclede is the 569th-largest of 937 Census places in Missouri and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 644th of 937 Missouri places, putting it near the 31th percentile for growth. At about 239 people per square mile, Laclede is the 832nd most densely settled place in Missouri. Within 50 miles sit 56 smaller Census places, alongside the 36 that are larger.
Common questions
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Nearby places
- Linneus, MO — population 275
- Brookfield, MO — population 4,072
- Meadville, MO — population 415
- Sumner, MO — population 79
- Purdin, MO — population 140
- Rothville, MO — population 65
- Mendon, MO — population 164
- Wheeling, MO — population 223