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Personal loans in Matthews, MO

A personal loan in Matthews is priced from your credit file and income, not from the fact that the city holds 506 people. At about 506 residents, Matthews is larger than roughly 50% of the places in Missouri. Compare APR, not the interest rate, because the APR folds in most fees on a Matthews loan. From the 2020 Census base to the 2023 estimate, the population declined by about 5.1%. Consumer lending that reaches Matthews's 506 residents is governed by Missouri statute; no city ordinance changes it. The closest larger place is Sikeston, MO about 9 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

What the Census records for Matthews

Read the local figures below as context; read the sourced Missouri table as the rulebook a lender here must follow.

What is available to Matthews borrowers

With about 259 residents per square mile, Matthews is lightly settled, and 58 larger Census places sit within 50 miles. Distance to a branch rarely matters for Matthews's 506 residents: the application is online and the price follows your credit file. The nearest bigger place is Sikeston, MO about 9 miles away.

What Missouri law requires in Matthews

Missouri has no separate rate rule for Matthews; the sourced rows below are what reach every lender that serves its 506 people.

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 a Matthews personal loan is priced

With roughly 506 residents, Matthews is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Matthews lender to disclose the APR and finance charge before you sign. The term you choose in Matthews decides the split between a comfortable payment and the total interest you pay.

Where Matthews sits in Missouri

Against Missouri's other places, Matthews accounts for about 0.0% of the state's population and ranks 464th of 937 by size. Its 2020-to-2023 change ranks 909th of 937 Missouri places, putting it near the 3th percentile for growth. Its roughly 259 residents per square mile place it 815th among Missouri's places. The population moved by about 27 people between 2020 and 2023, a 5.1% shift.

Matthews: area, density and distance

Inside Matthews's boundaries lie about 2.0 square miles of land, with no significant water area recorded. That land carries about 259 people per square mile. The state's population centre of gravity, Kansas City, is roughly 317 miles away. Counting outward 50 miles, 58 larger communities surround Matthews. By land area it ranks 269th of 937 Missouri places.

Compare personal loan offers Run the numbers first

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