Personal loans in Sycamore Hills, MO
Personal loans in Sycamore Hills are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 545 population. The trend for Sycamore Hills between 2020 and 2023 is downward by roughly 2.3%.
Sycamore Hills is one of 937 Census places in Missouri; its 545 residents put it at 449th. Pull your credit reports and line up at least three offers before you apply from Sycamore Hills. Consumer lending that reaches Sycamore Hills's 545 residents is governed by Missouri statute; no city ordinance changes it. The nearest larger city is Charlack, MO about 0 miles away.
Where Sycamore Hills stands
The figures below are Sycamore Hills's own — Census population, land area and coordinates — followed by the Missouri rules.
- Population: 545 residents; Sycamore Hills is the 449th-largest of 937 places in Missouri (US Census Bureau, Vintage 2023).
- Population trend: Roughly 2.3% fewer residents than the 2020 Census counted.
- People gained or lost: about 13 fewer since the 2020 base.
- Size percentile: with 545 residents, Sycamore Hills is larger than about 52% of Missouri's Census places.
- Density: roughly 4,067 residents per square mile, spread over 0.1 sq mi of land.
- Land area: Sycamore Hills covers 0.1 square miles, the 861st-largest area among Missouri's 937 places.
- State population share: Sycamore Hills accounts for about 0.0% of everyone in Missouri.
- Nationally: Sycamore Hills is the 12,809th-largest of 19,457 Census places in the dataset.
- Growth in Missouri: Sycamore Hills stands 797th by percentage change from 2020 to 2023, among 937 places.
- State comparison: Missouri's places average +0.8% for 2020-to-2023, against Sycamore Hills's 2.3%.
- Density rank: Sycamore Hills is the 34th most densely settled place in Missouri.
- Density in context: Sycamore Hills's 4,067 people per square mile sit against a Missouri median of 743.
- Location: latitude 38.7012, longitude -90.3490 (Census Gazetteer).
- Nearest larger cities: Charlack (0 mi); St. John (1 mi); Vinita Park (1 mi); Overland (1 mi); Bel-Ridge (1 mi). Living near a larger metro rarely changes what is available in Sycamore Hills.
- Smaller communities close by: Bellerive Acres (2 mi); Glen Echo Park (3 mi); Pasadena Park (3 mi), each with its own Census population profile.
- Smaller places within 50 miles: 81 of them.
- Larger places within 100 miles: 350.
The geography behind Sycamore Hills
Inside Sycamore Hills's boundaries lie about 0.1 square miles of land, with no significant water area recorded. With 545 residents, the land area yields roughly 4,067 people per square mile. For the state's biggest city, Kansas City, the distance is roughly 228 miles. Sycamore Hills has 185 larger places within a 50-mile radius. By land area it ranks 861st of 937 Missouri places.
Missouri consumer-lending rules applied in Sycamore Hills
These are Missouri's sourced lending facts as they reach Sycamore Hills's 545 residents; the state has no city-level rate rule.
| 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 |
Sycamore Hills in state context
Against Missouri's other places, Sycamore Hills accounts for about 0.0% of the state's population and ranks 449th of 937 by size. Its 2020-to-2023 change ranks 797th of 937 Missouri places, putting it near the 15th percentile for growth. At about 4,067 people per square mile, Sycamore Hills is the 34th most densely settled place in Missouri. By land area, its 0.1 square miles rank 861st of 937 places in Missouri.
Borrowing reach in Sycamore Hills
Sycamore Hills is fairly dense, with about 4,067 people per square mile and 185 larger places within 50 miles. What is available to Sycamore Hills's 545 borrowers is set by Missouri licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Charlack, MO about 0 miles away.
What shapes a Sycamore Hills personal loan
Sycamore Hills is a small community of about 545 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Sycamore Hills lender to disclose the APR and finance charge before you sign. The term you choose in Sycamore Hills decides the split between a comfortable payment and the total interest you pay.
Common questions
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Nearby places
- Charlack, MO — population 1,274
- St. John, MO — population 6,460
- Vinita Park, MO — population 1,926
- Overland, MO — population 15,496
- Bel-Ridge, MO — population 2,078
- Breckenridge Hills, MO — population 4,348
- Hanley Hills, MO — population 1,956
- Woodson Terrace, MO — population 3,871