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.

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.

Where Laclede stands

Set out below is Laclede's local context next to the state-level rules that reach every lender here.

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.

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
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 statusLegal 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.

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

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