Personal loans in Olean, MO
To lend to Olean's 118 residents, a company must hold a Missouri licence, and each sourced row below names the regulator behind it. With an estimated 118 residents, Olean is the 769th-largest of 937 places in Missouri.
Personal loans in Olean are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 118 population. Population in Olean climbed about 2.6% over the three years from 2020 to 2023. Judge Olean offers on total cost, not on how quickly the money arrives. The closest larger city is Eldon, MO about 5 miles away.
Olean by the numbers
Olean is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: an estimated 118 residents, 769th of 937 places in Missouri (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is positive, near 2.6%.
- Absolute change: 3 residents added between 2020 and 2023.
- Size percentile: with 118 residents, Olean is larger than about 18% of Missouri's Census places.
- Population density: about 682 people per square mile across 0.2 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Olean's 0.2 square miles rank 829th of 937 places in Missouri.
- Share of Missouri: Olean holds about 0.0% of the state's population, some 118 people.
- National rank: Olean is the 17,814th most populous of the 19,457 Census places covered here.
- Growth rank: Olean's 2020-to-2023 change ranks 207th of 937 places in Missouri.
- Versus Missouri: the state average change is +0.8%, while Olean moved 2.6%.
- Density rank: Olean places 506th among Missouri's places by people per square mile.
- Density vs Missouri: Olean's 682 people per square mile compare with a state median of 743.
- Location: the Census Gazetteer records it at 38.4104, -92.5300.
- Nearest larger cities: Eldon (5 mi); Barnett (8 mi); Russellville (9 mi); Tuscumbia (13 mi); Lohman (13 mi). Living near a larger metro rarely changes what is available in Olean.
- Nearest smaller towns: Bagnell (13 mi); Brumley (22 mi); Friedenswald (26 mi) — useful context for the surrounding area.
- Smaller places within 50 miles: 10 of them.
- Within 100 miles: 274 places are larger than Olean.
How a Olean personal loan is priced
Olean is a small community of about 118 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The APR tracks your credit score rather than Olean's rank of 769th in Missouri: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Olean loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Lender access in Olean
Olean is moderately settled, with about 682 people per square mile and 71 larger places within 50 miles. Whether Olean has a local branch or not, a Missouri-licensed lender can serve its 118 people online on the same terms. For a larger market, the closest option is Eldon, MO about 5 miles away.
Where Olean sits in Missouri
Set beside Missouri's 937 places, Olean ranks 769th by population and holds about 0.0% of the state total. Its 2020-to-2023 change ranks 207th of 937 Missouri places, putting it near the 78th percentile for growth. By density, at about 682 people per square mile, it ranks 506th in Missouri. The population moved by about 3 people between 2020 and 2023, a 2.6% shift.
How Missouri law applies in Olean
Read the table as a lender's compliance picture for Olean: the rule, the sourced figure, the publisher and the date.
| 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 |
| 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 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 |
Where Olean sits
Olean covers about 0.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 682 people per square mile. Kansas City, the largest place in Missouri, is about 120 miles from Olean. Counting outward 50 miles, 71 larger communities surround Olean. The 100-mile radius contains 274 larger places.
Common questions
What are my options in Olean if my credit is poor?
What loan size can I expect in Olean?
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Does comparing loans in Olean cost me credit score points?
Nearby places
- Eldon, MO — population 4,602
- Russellville, MO — population 791
- Barnett, MO — population 164
- Tuscumbia, MO — population 191
- Bagnell, MO — population 44
- Lohman, MO — population 177
- California, MO — population 4,520
- Lake Ozark, MO — population 2,200