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 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.
- Population: an estimated 908 residents, 355th of 937 places in Missouri (Census Vintage 2023 subcounty estimate).
- Population trend: A rise of about 4.8% from 2020 to 2023.
- Absolute change: 42 residents added between 2020 and 2023.
- Size percentile: roughly 62% of Missouri's places have fewer residents than Benton's 908.
- Population density: about 1,428 people per square mile across 0.6 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area: Benton covers 0.6 square miles, the 522nd-largest area among Missouri's 937 places.
- Share of state population: Benton's 908 residents are about 0.0% of Missouri.
- National rank: Benton is the 10,654th most populous of the 19,457 Census places covered here.
- Growth rank: Benton ranks 109th among Missouri's 937 places for the 2020-to-2023 change.
- Against the state trend: Benton's 4.8% change compares with a Missouri average of +0.8% across its 937 places.
- Density in Missouri: Benton ranks 146th by people per square mile.
- Against the state median: Benton runs about 1,428 residents per square mile, where the Missouri median is 743.
- Location: 37.0993, -89.5605 (Census Gazetteer coordinates).
- Nearest larger cities: Oran (5 mi); Chaffee (8 mi); Scott City (9 mi); Cape Girardeau (15 mi); Sikeston (15 mi). Online lenders reach Benton no matter how far the nearest branch is.
- Smaller places close by: Morley (5 mi); Kelso (6 mi); Haywood City (6 mi).
- Smaller neighbours: 73 places smaller than Benton sit within 50 miles.
- Within 100 miles: 153 places are larger than Benton.
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:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Use the loan calculator to test the payment on your intended amount and term.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Verify the lender's Missouri licence with the regulator listed on this page.
- Decide the purpose and how you will repay it before approaching any lender.
- If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
- 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.
| 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 |
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.
Common questions
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Nearby places
- Morley, MO — population 673
- Kelso, MO — population 551
- Oran, MO — population 1,205
- Haywood City, MO — population 135
- Blodgett, MO — population 206
- Scott City, MO — population 4,348
- Commerce, MO — population 41
- Chaffee, MO — population 3,025