Personal loans in Palmyra, MO
Census figures put the 2020-to-2023 decrease in Palmyra at about 0.6%. In Palmyra, one of 937 Census places in Missouri, the figure to compare across lenders is the APR, not the advertised rate. Palmyra is one of 937 Census places in Missouri; its 3,600 residents put it at 169th. The nearest larger city is Hannibal, MO about 9 miles away. A single loan can carry different costs on either side of a state line, and Palmyra sits on the Missouri side of that line. Decide the purpose of the loan and your repayment plan before sharing any details with a Palmyra lender.
The Palmyra data picture
Only a few things actually differ by place — population, area, location, and the Missouri rules a lender must follow — and they are below.
- Population: 3,600 people, a figure that places Palmyra 169th among the 937 Census places in Missouri (US Census Bureau, Vintage 2023).
- Population trend: Roughly 0.6% fewer residents than the 2020 Census counted.
- Change in people: the 2020-to-2023 comparison is a loss of about 21 residents.
- Size percentile: about 82% of Missouri's Census places are smaller than Palmyra.
- Density: the Census land area of 3.1 sq mi holds about 1,160 people per square mile.
- Land area: Palmyra covers 3.1 square miles, the 202nd-largest area among Missouri's 937 places.
- Share of state population: Palmyra's 3,600 residents are about 0.1% of Missouri.
- National rank: Palmyra is the 5,752nd most populous of the 19,457 Census places covered here.
- Growth rank: Palmyra ranks 589th among Missouri's 937 places for the 2020-to-2023 change.
- Versus Missouri: the state average change is +0.8%, while Palmyra moved 0.6%.
- Density rank: Palmyra places 235th among Missouri's places by people per square mile.
- Density vs Missouri: Palmyra's 1,160 people per square mile compare with a state median of 743.
- Location: mapped by the US Census Bureau at 39.7978, -91.5265.
- Nearest larger cities: Hannibal (9 mi); Quincy (12 mi); Bowling Green (36 mi); Pittsfield (40 mi); Keokuk (43 mi). Living near a larger metro rarely changes what is available in Palmyra.
- Nearest smaller towns: Rensselaer (9 mi); Monroe City (15 mi); Payson (15 mi).
- Within a 50-mile radius: 93 smaller Census places.
- Within 100 miles: 73 places are larger than Palmyra.
Which Missouri laws govern a loan in Palmyra
Read the table as a lender's compliance picture for Palmyra: 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 Palmyra sits
Palmyra covers about 3.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 1,160 people per square mile. For the state's biggest city, Kansas City, the distance is roughly 168 miles. Within 50 miles of Palmyra there are 6 larger Census places. By land area it ranks 202nd of 937 Missouri places.
What is available to Palmyra borrowers
Palmyra is moderately settled, with about 1,160 people per square mile and 6 larger places within 50 miles. Lenders licensed in Missouri reach Palmyra's 3,600 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Hannibal, MO about 9 miles away.
Inside a Palmyra personal loan
With roughly 3,600 residents, Palmyra is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Because pricing is borrower-level, two people in Palmyra can be quoted different APRs on the same amount and term. The term you choose in Palmyra decides the split between a comfortable payment and the total interest you pay.
Palmyra against the rest of Missouri
Within Missouri, Palmyra holds roughly 0.1% of all residents, the 169th-largest share among 937 places. On the 2020-to-2023 trend, Palmyra stands 589th among Missouri's 937 places — roughly the 37th percentile. By density, at about 1,160 people per square mile, it ranks 235th in Missouri. The population moved by about 21 people between 2020 and 2023, a 0.6% shift.
Common questions
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Nearby places
- Rensselaer, MO — population 252
- Hannibal, MO — population 16,838
- Quincy, IL — population 38,803
- New London, MO — population 968
- La Grange, MO — population 803
- Monroe City, MO — population 2,655
- Ewing, MO — population 390
- Payson, IL — population 1,000