Personal loans in Milford, MO
Two households in Milford with comparable incomes can still be offered different rates; the city's 27 residents are not the reason.
Every figure below is Missouri's own, applied to Milford's 27 residents, with the publisher and retrieval date attached. With an estimated 27 residents, Milford is the 914th-largest of 937 places in Missouri. Price two or three terms so you can see which payment is truly affordable in Milford. The 2020-to-2023 change in Milford is negligible, under a tenth of a percent. Borrowers who want a bigger city can look to Jerico Springs, MO about 8 miles away.
Where Milford stands
Read the local figures below as context; read the sourced Missouri table as the rulebook a lender here must follow.
- Population: the Census counts 27 residents in Milford (Vintage 2023 subcounty estimate), the 914th-largest figure among Missouri's 937 places.
- Population trend: Held essentially flat from the 2020 Census base to the 2023 estimate.
- Size percentile: about 2% of Missouri communities are smaller than Milford (27 residents).
- Density: the Census land area of 0.0 sq mi holds about 643 people per square mile.
- By land area: Milford ranks 935th among Missouri's 937 places, at 0.0 sq mi.
- Share of state population: Milford's 27 residents are about 0.0% of Missouri.
- National rank: Milford is 19,266th of 19,457 places nationwide.
- Growth rank: Milford ranks 533rd among Missouri's 937 places for the 2020-to-2023 change.
- Versus Missouri: the state average change is +0.8%, while Milford moved 0.0%.
- Density rank: Milford places 536th among Missouri's places by people per square mile.
- Density in context: Milford's 643 people per square mile sit against a Missouri median of 743.
- Location: mapped by the US Census Bureau at 37.5863, -94.1582.
- Nearest larger cities: Jerico Springs (8 mi); Sheldon (9 mi); Lamar (9 mi); Lamar Heights (10 mi); Golden City (14 mi). A branch is convenient; it is not what sets your APR.
- Smaller places nearby: Metz (32 mi); Stotesbury (35 mi); Gerster (41 mi).
- Smaller places within 50 miles: 3 of them.
- Larger places within 100 miles: 400.
Missouri rules behind a Milford personal loan
These are Missouri's sourced lending facts as they reach Milford's 27 residents; the state has no city-level rate rule.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Consumer credit lenders licensed and regulated by the Division of Finance's consumer credit section (Chapters 367 and 408, RSMo) Source says: "The consumer credit section of the Missouri Division of Finance is responsible for licensing and regulating various types of consumer finance companies" | Missouri Division of Finance as of 2026-09-16 |
What a Milford borrower is actually offered
With roughly 27 residents, Milford is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. The rate you see advertised is a range, not a promise, until a lender reviews your file in Milford. A longer term lowers the monthly payment on a Milford loan but raises total interest, so the smallest payment is not the cheapest loan.
How Milford compares across Missouri
Set beside Missouri's 937 places, Milford ranks 914th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Milford ranks 533rd of 937 in Missouri (about the 43th percentile). Its roughly 643 residents per square mile place it 536th among Missouri's places. Within 50 miles sit 3 smaller Census places, alongside the 118 that are larger.
Milford: area, density and distance
Milford covers about 0.0 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 643 residents per square mile. The state's population centre of gravity, Kansas City, is roughly 108 miles away. Within 50 miles of Milford there are 118 larger Census places. Within the same 50 miles lie 3 smaller Census places.
Getting a loan in Milford
At roughly 643 people per square mile, Milford is moderately settled; 118 larger places lie within 50 miles. A Missouri licence lets a lender serve Milford without a local office, so branch density does not change what its 27 residents are offered. The nearest larger city, Jerico Springs, MO about 8 miles away.
Common questions
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Does comparing loans in Milford cost me credit score points?
Nearby places
- Jerico Springs, MO — population 166
- Lamar, MO — population 4,302
- Sheldon, MO — population 436
- Lamar Heights, MO — population 173
- Golden City, MO — population 657
- Milo, MO — population 58
- Lockwood, MO — population 856
- Arcola, MO — population 40