Personal loans in Benton, MO

A lender serving Benton holds a Missouri licence and answers to a Missouri regulator; no city office is involved for its 908 residents. The 2020 count to the 2023 estimate shows about 4.8% growth in Benton.

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.

By population, Benton sits at 355th in Missouri, with an estimated 908 residents. Price two or three terms so you can see which payment is truly affordable in Benton. Lenders active in Benton report to a Missouri supervisor, identified in the sourced rows below. Borrowers who want a bigger city can look to Oran, MO about 5 miles away.

The Benton data picture

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

Getting a loan in Benton

Benton is a moderately settled community of about 908 people, with 29 larger places inside a 50-mile radius. What is available to Benton's 908 borrowers is set by Missouri licensing and your own credit, not by how many branches are nearby. The nearest larger city, Oran, MO about 5 miles away.

A practical checklist for Benton borrowers

For Benton's roughly 908 residents, these are the steps that most influence the offer:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Verify the lender's Missouri licence with the regulator listed on this page.
  5. Decide the purpose and how you will repay it before approaching any lender.
  6. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
  7. Check the disclosure for fees that raise the true cost above the quoted rate.

The process is identical across Missouri; what changes is your credit file, not the fact that Benton holds 908 people.

How Benton compares across Missouri

Against Missouri's other places, Benton accounts for about 0.0% of the state's population and ranks 355th of 937 by size. For population change between 2020 and 2023, Benton ranks 109th of 937 in Missouri (about the 88th percentile). At about 1,428 people per square mile, Benton is the 146th most densely settled place in Missouri. In land area, Benton ranks 522nd among Missouri's 937 places.

Missouri consumer-lending rules applied in Benton

This table holds the Missouri rate and licensing rules for consumer loans made to Benton's 908 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
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 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

Where Benton sits

Benton covers about 0.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 908 residents, the land area yields roughly 1,428 people per square mile. The state's population centre of gravity, Kansas City, is roughly 305 miles away. Within 50 miles of Benton there are 29 larger Census places. By land area it ranks 522nd of 937 Missouri places.

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 Benton 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 Benton is the same as anywhere in Missouri.
What loan size can I expect in Benton?
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 Benton?
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 Benton 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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