Personal loans in Phillipsburg, MO

Phillipsburg by the numbers

Read the local figures below as context; read the sourced Missouri table as the rulebook a lender here must follow.

• Population: the Census counts 166 residents in Phillipsburg (Vintage 2023 subcounty estimate), the 711th-largest figure among Missouri's 937 places.
• Population trend: Roughly 0.6% more residents than the 2020 Census counted.
• Absolute change: 1 residents added between 2020 and 2023.
• Size percentile: with 166 residents, Phillipsburg is larger than about 24% of Missouri's Census places.
• Land and density: 0.8 square miles of land carry roughly 208 residents per square mile.
• Land area: Phillipsburg covers 0.8 square miles, the 477th-largest area among Missouri's 937 places.
• Share of state population: Phillipsburg's 166 residents are about 0.0% of Missouri.
• Nationally: Phillipsburg is the 17,025th-largest of 19,457 Census places in the dataset.
• Growth rank: Phillipsburg's 2020-to-2023 change ranks 411th of 937 places in Missouri.
• State comparison: Missouri's places average +0.8% for 2020-to-2023, against Phillipsburg's 0.6%.
• Density rank: Phillipsburg places 849th among Missouri's places by people per square mile.
• Density in context: Phillipsburg's 208 people per square mile sit against a Missouri median of 743.
• Location: 37.5526 / -92.7895, per the US Census Bureau Gazetteer.
• Nearest larger cities: Conway (4 mi); Lebanon (11 mi); Niangua (12 mi); Marshfield (16 mi); Buffalo (18 mi). For most borrowers the comparison happens online, not at a branch.
• Smaller communities close by: Evergreen (11 mi); Louisburg (24 mi); Halfway (25 mi), each with its own Census population profile.
• Within a 50-mile radius: 10 smaller Census places.
• Larger places within 100 miles: 248.

How personal loans work in Phillipsburg

With roughly 166 residents, Phillipsburg is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. A lender serving Phillipsburg's 166 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Phillipsburg loan is knowable in advance — unlike a revolving card balance.

Land, water and location for Phillipsburg

Phillipsburg's land area is roughly 0.8 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 208 people per square mile. The state's population centre of gravity, Kansas City, is roughly 145 miles away. A 50-mile radius around Phillipsburg takes in 53 places that are larger. By land area it ranks 477th of 937 Missouri places.

Phillipsburg in state context

Against Missouri's other places, Phillipsburg accounts for about 0.0% of the state's population and ranks 711th of 937 by size. Its 2020-to-2023 change ranks 411th of 937 Missouri places, putting it near the 56th percentile for growth. By density, at about 208 people per square mile, it ranks 849th in Missouri. In land area, Phillipsburg ranks 477th among Missouri's 937 places.

How Missouri law applies in Phillipsburg

Below are the Missouri rules that apply to a loan made in Phillipsburg, each with the regulator that issued it.

What to do before borrowing in Phillipsburg

Before you apply in Phillipsburg, a community of about 166, work through these steps:

1. Get your credit reports, dispute what is wrong, and only then start shopping.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Make sure the lender appears in the Missouri regulator's licence list.
5. Write down the purpose of the loan and your repayment plan before you apply.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Look for an origination fee or prepayment penalty in the written disclosure.

The process is identical across Missouri; what changes is your credit file, not the fact that Phillipsburg holds 166 people.