Personal loans in Perryville, MO

The roughly 8,506 people who live in Perryville borrow under Missouri rules; city hall sets no personal-loan rate. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Perryville loan. The Census counts 8,506 people in Perryville, the 94th-largest figure among Missouri's 937 places. Rate ceilings, licensing requirements and product limits for Perryville are all set at the Missouri level. Population in Perryville dropped about 0.5% over the three years from 2020 to 2023. The next larger city is Jackson, MO about 27 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Where Perryville stands

Here is the sourced Census picture for Perryville, plus the Missouri lending rules that apply to a loan taken out here.

Perryville's place among Missouri's 937 places

Perryville is the 94th-largest of 937 Census places in Missouri and contains about 0.2% of the state's people. For population change between 2020 and 2023, Perryville ranks 581st of 937 in Missouri (about the 38th percentile). At about 1,042 people per square mile, Perryville is the 282nd most densely settled place in Missouri. Between 2020 and 2023 the count changed by roughly 44 residents.

Perryville on the map

Inside Perryville's boundaries lie roughly 8.2 square miles of land and 0.16 square miles of water. The resulting density is about 1,042 people per square mile. For the state's biggest city, Kansas City, the distance is roughly 271 miles. Counting outward 50 miles, 8 larger communities surround Perryville. Within the same 50 miles lie 114 smaller Census places.

What Missouri law requires in Perryville

This table holds the Missouri rate and licensing rules for consumer loans made to Perryville's 8,506 residents.

RuleDetailSource
State lending regulatorMissouri 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 statusLegal 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 licensingConsumer 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 is available to Perryville borrowers

With about 1,042 residents per square mile, Perryville is moderately settled, and 8 larger Census places sit within 50 miles. Distance to a branch rarely matters for Perryville's 8,506 residents: the application is online and the price follows your credit file. The nearest larger city, Jackson, MO about 27 miles away.

Inside a Perryville personal loan

Most loans made to Perryville's 8,506 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Perryville can be quoted different APRs on the same amount and term. Shortening the term on a Perryville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Perryville if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Perryville is the same as anywhere in Missouri.
What loan size can I expect in Perryville?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Perryville?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Perryville cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

Nearby places

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