Personal loans in Three Creeks, MO
The Census counts 6 people in Three Creeks, the 935th-largest figure among Missouri's 937 places. Three Creeks is a small community of about 6 residents, and a personal loan taken out here is governed by Missouri statute. For practical purposes, Three Creeks's population was stable from the 2020 base to the 2023 estimate. Use the calculator on this page to price an amount and term before you commit in Three Creeks. Lenders active in Three Creeks report to a Missouri supervisor, identified in the sourced rows below. For a bigger market, look to Washington, MO about 2 miles away.
Three Creeks by the numbers
Most of what governs a Three Creeks loan is written in Missouri law rather than in the city; the sourced notes below make that split concrete.
- Population: 6 — Three Creeks ranks 935th of 937 communities in Missouri (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is under a tenth of a percent.
- Size percentile: about 0% of Missouri communities are smaller than Three Creeks (6 residents).
- Density: roughly 1 residents per square mile, spread over 4.8 sq mi of land.
- By land area: Three Creeks ranks 135th among Missouri's 937 places, at 4.8 sq mi.
- Water: Three Creeks holds about 0.11 square miles, the 77th-largest water area in Missouri.
- Within Missouri: about 0.0% of the state's population lives in Three Creeks.
- Nationally: Three Creeks is the 19,443rd-largest of 19,457 Census places in the dataset.
- Growth rank: Three Creeks's 2020-to-2023 change ranks 551st of 937 places in Missouri.
- Versus Missouri: the state average change is +0.8%, while Three Creeks moved 0.0%.
- Density rank: Three Creeks is the 937th most densely settled place in Missouri.
- Density in context: Three Creeks's 1 people per square mile sit against a Missouri median of 743.
- Location: it lies at 38.5730, -90.9927 in the Census Gazetteer.
- Nearest larger cities: Washington (2 mi); Marthasville (5 mi); Augusta (6 mi); Union (9 mi); New Melle (12 mi). Larger metros often have more branches, but online lenders reach Three Creeks on the same terms.
- Smaller communities within reach: Friedenswald (102 mi).
- Smaller neighbours: 0 places smaller than Three Creeks sit within 50 miles.
- Larger places within 100 miles: 532.
What to do before borrowing in Three Creeks
For Three Creeks's roughly 6 residents, these are the steps that most influence the offer:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Model the payment on the calculator before a lender models it for you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Confirm the Missouri licence with the regulator named above before committing.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- Look for an origination fee or prepayment penalty in the written disclosure.
- Check that the monthly payment fits your budget next to your existing obligations.
What differs between Three Creeks and the rest of Missouri is not the process but the borrower's own file, among the 6 people here.
What Missouri law requires in Three Creeks
When Missouri does not publish a figure, the row links to the source instead of inventing a number; Three Creeks is bound by the same rules.
| 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 |
| Small-loan / installment lender licensing | Consumer 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 |
| Additional loan fee cap (30+ day loans) | Up to 10% of principal, capped at $100 (RSMo § 408.140) Source says: "a fee, not to exceed ten percent of the principal amount loaned not to exceed one hundred dollars may be charged by the lender" | Missouri Revisor of Statutes as of 2026-09-16 |
Land, water and location for Three Creeks
The Census Gazetteer records 4.8 square miles of land and 0.11 square miles of water within Three Creeks. That land carries about 1 people per square mile. The largest place in Missouri, Kansas City, lies about 195 miles away. A 50-mile radius around Three Creeks takes in 206 places that are larger. The 100-mile radius contains 532 larger places.
Getting a loan in Three Creeks
At roughly 1 people per square mile, Three Creeks is sparsely settled; 206 larger places lie within 50 miles. A Missouri licence lets a lender serve Three Creeks without a local office, so branch density does not change what its 6 residents are offered. The nearest larger city, Washington, MO about 2 miles away.
Three Creeks's place among Missouri's 937 places
Three Creeks is the 935th-largest of 937 Census places in Missouri and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 551st of 937 Missouri places, putting it near the 41th percentile for growth. At about 1 people per square mile, Three Creeks is the 937th most densely settled place in Missouri. Within 50 miles sit 0 smaller Census places, alongside the 206 that are larger.
Common questions
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Nearby places
- Washington, MO — population 15,450
- Marthasville, MO — population 1,283
- Augusta, MO — population 264
- Union, MO — population 13,000
- New Melle, MO — population 538
- Innsbrook, MO — population 639
- St. Clair, MO — population 4,716
- New Haven, MO — population 2,389