Personal loans in Memphis, MO

If you are weighing a personal loan in Memphis, start from the payment you can carry; its 1,718 residents face the same statewide rules. Rate ceilings, licensing requirements and product limits for Memphis are all set at the Missouri level. Price two or three terms so you can see which payment is truly affordable in Memphis. The next larger city is Bloomfield, IA about 24 miles away.

What the Census records for Memphis

Most of what governs a Memphis loan is written in Missouri law rather than in the city; the sourced notes below make that split concrete.

• Population: the Census counts 1,718 residents in Memphis (Vintage 2023 subcounty estimate), the 264th-largest figure among Missouri's 937 places.
• Population trend: A drop of about 1.0% from 2020 to 2023.
• People gained or lost: about 17 fewer since the 2020 base.
• Size percentile: about 72% of Missouri communities are smaller than Memphis (1,718 residents).
• Density: the Census land area of 1.6 sq mi holds about 1,103 people per square mile.
• Land area: Memphis covers 1.6 square miles, the 305th-largest area among Missouri's 937 places.
• State share: roughly 0.0% of Missouri's residents live in Memphis (1,718 people).
• National rank: Memphis sits 8,195th by population among the 19,457 places in this dataset.
• Growth rank: Memphis's 2020-to-2023 change ranks 637th of 937 places in Missouri.
• Versus Missouri: the state average change is +0.8%, while Memphis moved 1.0%.
• Density in Missouri: Memphis ranks 250th by people per square mile.
• Density vs Missouri: Memphis's 1,103 people per square mile compare with a state median of 743.
• Location: the Census Gazetteer records it at 40.4608, -92.1699.
• Nearest larger cities: Bloomfield (24 mi); Kahoka (24 mi); Kirksville (28 mi); Fairfield (39 mi); Keokuk (41 mi). Larger metros often have more branches, but online lenders reach Memphis on the same terms.
• Nearest smaller places: Arbela (8 mi); Granger (10 mi); South Gorin (10 mi).
• Within a 50-mile radius: 89 smaller Census places.
• At 100 miles: 74 larger Census places fall inside that radius.

How Missouri law applies in Memphis

For the roughly 1,718 residents of Memphis, the rules below are Missouri's own; each row carries its publisher and retrieval date.

Memphis in state context

Among Missouri's 937 places, Memphis sits at 264th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 637th of 937 Missouri places, putting it near the 32th percentile for growth. By density, at about 1,103 people per square mile, it ranks 250th in Missouri. Within 50 miles sit 89 smaller Census places, alongside the 11 that are larger.

What is available to Memphis borrowers

Memphis is a moderately settled community of about 1,718 people, with 11 larger places inside a 50-mile radius. Lenders licensed in Missouri reach Memphis's 1,718 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Bloomfield, IA about 24 miles away.

The anatomy of a Memphis personal loan

Memphis is a small community of about 1,718 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Memphis loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Memphis loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Where Memphis sits

Memphis covers about 1.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 1,103 people per square mile. Kansas City, the largest place in Missouri, is about 156 miles from Memphis. A 50-mile radius around Memphis takes in 11 places that are larger. The 100-mile radius contains 74 larger places.