Personal loans in Mercer, MO

Roughly 259 residents live in Mercer, the 603rd-largest community in Missouri. Use the calculator on this page to price an amount and term before you commit in Mercer. To lend to Mercer's 259 residents, a company must hold a Missouri licence, and each sourced row below names the regulator behind it. For a bigger market, look to Princeton, MO about 8 miles away.

Mercer by the numbers

The figures below are Mercer's own — Census population, land area and coordinates — followed by the Missouri rules.

• Population: 259 people, a figure that places Mercer 603rd among the 937 Census places in Missouri (US Census Bureau, Vintage 2023).
• Population trend: Roughly 1.9% fewer residents than the 2020 Census counted.
• People gained or lost: about 5 fewer since the 2020 base.
• Size percentile: roughly 36% of Missouri places rank below Mercer.
• Population density: about 704 people per square mile (Census land area 0.4 sq mi).
• Land area: Mercer covers 0.4 square miles, the 647th-largest area among Missouri's 937 places.
• State population share: Mercer accounts for about 0.0% of everyone in Missouri.
• National rank: Mercer is 15,633rd of 19,457 places nationwide.
• Growth rank: Mercer ranks 752nd among Missouri's 937 places for the 2020-to-2023 change.
• Versus Missouri: the state average change is +0.8%, while Mercer moved 1.9%.
• Density in Missouri: Mercer ranks 493rd by people per square mile.
• Density vs Missouri: Mercer's 704 people per square mile compare with a state median of 743.
• Location: it lies at 40.5106, -93.5299 in the Census Gazetteer.
• Nearest larger cities: Princeton (8 mi); Cainsville (14 mi); Allerton (16 mi); Leon (20 mi); Corydon (20 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Smaller communities within reach: South Lineville (5 mi); Lineville (5 mi); Clio (10 mi).
• Smaller places within 50 miles: 64 of them.
• Larger places within 100 miles: 247.

Inside a Mercer personal loan

A Mercer personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 259 residents. Two numbers drive a Mercer loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Mercer loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Missouri rules behind a Mercer personal loan

Every row below records a Missouri rule, its publisher and its retrieval date — the same rules a Mercer lender must follow.

A practical checklist for Mercer borrowers

Before you hand your details to a lender in Mercer, where the population is near 259:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Confirm the lender holds a Missouri licence by checking the regulator named above.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Test the payment against your current bills before you commit.

What differs between Mercer and the rest of Missouri is not the process but the borrower's own file, among the 259 people here.

Borrowing reach in Mercer

Mercer is moderately settled, with about 704 people per square mile and 38 larger places within 50 miles. A Missouri licence lets a lender serve Mercer without a local office, so branch density does not change what its 259 residents are offered. The nearest bigger place is Princeton, MO about 8 miles away.

Where Mercer sits

Inside Mercer's boundaries lie about 0.4 square miles of land, with no significant water area recorded. With 259 residents, the land area yields roughly 704 people per square mile. Kansas City, the largest place in Missouri, is about 110 miles from Mercer. Within 50 miles of Mercer there are 38 larger Census places. Within the same 50 miles lie 64 smaller Census places.