Personal loans in Smithville, MO

Where Smithville stands

Most of what governs a Smithville loan is written in Missouri law rather than in the city; the sourced notes below make that split concrete.

• Population: about 10,785 people live here, which puts Smithville 74th of 937 Census places in Missouri (Vintage 2023).
• Population trend: A rise of about 3.4% from 2020 to 2023.
• People gained or lost: about 351 more since the 2020 base.
• Size percentile: with 10,785 residents, Smithville is larger than about 92% of Missouri's Census places.
• Density: roughly 668 residents per square mile, spread over 16.2 sq mi of land.
• Land area rank: Smithville's 16.2 square miles rank 25th of 937 places in Missouri.
• Water: Smithville holds about 0.11 square miles, the 78th-largest water area in Missouri.
• Share of state population: Smithville's 10,785 residents are about 0.3% of Missouri.
• National standing: Smithville ranks 2,987th of 19,457 US places.
• Growth rank: Smithville ranks 165th among Missouri's 937 places for the 2020-to-2023 change.
• Versus Missouri: the state average change is +0.8%, while Smithville moved 3.4%.
• Density in Missouri: Smithville ranks 517th by people per square mile.
• Density in context: Smithville's 668 people per square mile sit against a Missouri median of 743.
• Location: latitude 39.3969, longitude -94.5710 (Census Gazetteer).
• Nearest larger cities: Kearney (12 mi); Gladstone (13 mi); Liberty (13 mi); Kansas City (19 mi); Leavenworth (20 mi). Lenders licensed in the state serve Smithville whether or not they keep a local branch.
• Smaller places nearby: Ridgely (5 mi); Trimble (5 mi); Ferrelview (8 mi).
• Smaller neighbours: 147 places smaller than Smithville sit within 50 miles.
• At 100 miles: 30 larger Census places fall inside that radius.

Land, water and location for Smithville

Inside Smithville's boundaries lie roughly 16.2 square miles of land and 0.11 square miles of water. With 10,785 residents, the land area yields roughly 668 people per square mile. For the state's biggest city, Kansas City, the distance is roughly 19 miles. Counting outward 50 miles, 25 larger communities surround Smithville. The 100-mile radius contains 30 larger places.

What is available to Smithville borrowers

Smithville is moderately settled, with about 668 people per square mile and 25 larger places within 50 miles. What is available to Smithville's 10,785 borrowers is set by Missouri licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Kearney, MO about 12 miles away.

What shapes a Smithville personal loan

Smithville is a small town of about 10,785 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 Smithville's rank of 74th 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 Smithville loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

What Missouri law requires in Smithville

Missouri has no separate rate rule for Smithville; the sourced rows below are what reach every lender that serves its 10,785 people.

Smithville against the rest of Missouri

Set beside Missouri's 937 places, Smithville ranks 74th by population and holds about 0.3% of the state total. For population change between 2020 and 2023, Smithville ranks 165th of 937 in Missouri (about the 82th percentile). At about 668 people per square mile, Smithville is the 517th most densely settled place in Missouri. In land area, Smithville ranks 25th among Missouri's 937 places.