Personal loans in Cardwell, MO
Roughly 533 residents live in Cardwell, the 454th-largest community in Missouri. With roughly 533 residents, Cardwell is a small community, and the lending rules its borrowers live under are written in Missouri, not by the city.
Population in Cardwell dropped about 5.3% over the three years from 2020 to 2023. Judge Cardwell offers on total cost, not on how quickly the money arrives. To lend to Cardwell's 533 residents, a company must hold a Missouri licence, and each sourced row below names the regulator behind it. The nearest larger metro is Senath, MO about 9 miles away.
Where Cardwell stands
Two layers matter for a Cardwell borrower: the local population picture and Missouri's consumer-lending statutes.
- Population: about 533 people live here, which puts Cardwell 454th of 937 Census places in Missouri (Vintage 2023).
- Population trend: Roughly 5.3% fewer residents than the 2020 Census counted.
- Absolute change: 30 residents lost between 2020 and 2023.
- Size percentile: Cardwell sits ahead of around 52% of Missouri places, at 533 people.
- Population density: 846 people per square mile on 0.6 square miles of land.
- Land area: Cardwell covers 0.6 square miles, the 526th-largest area among Missouri's 937 places.
- State share: roughly 0.0% of Missouri's residents live in Cardwell (533 people).
- National rank: Cardwell is the 12,903rd most populous of the 19,457 Census places covered here.
- Growth rank: Cardwell's 2020-to-2023 change ranks 912th of 937 places in Missouri.
- State comparison: Missouri's places average +0.8% for 2020-to-2023, against Cardwell's 5.3%.
- Density rank: Cardwell is the 402nd most densely settled place in Missouri.
- Against the state median: Cardwell runs about 846 residents per square mile, where the Missouri median is 743.
- Location: the Census Gazetteer records it at 36.0475, -90.2909.
- Nearest larger cities: Senath (9 mi); Leachville (10 mi); Monette (11 mi); Marmaduke (11 mi); Paragould (12 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller communities within reach: Arbyrd (3 mi); Hornersville (10 mi); Black Oak (15 mi).
- Within a 50-mile radius: 54 smaller Census places.
- Larger places within 100 miles: 186.
Cardwell in state context
Within Missouri, Cardwell holds roughly 0.0% of all residents, the 454th-largest share among 937 places. Its 2020-to-2023 change ranks 912th of 937 Missouri places, putting it near the 3th percentile for growth. At about 846 people per square mile, Cardwell is the 402nd most densely settled place in Missouri. Between 2020 and 2023 the count changed by roughly 30 residents.
Cardwell on the map
Cardwell's land area is roughly 0.6 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 846 people per square mile. Kansas City, the largest place in Missouri, is about 316 miles from Cardwell. Counting outward 50 miles, 51 larger communities surround Cardwell. Within the same 50 miles lie 54 smaller Census places.
Borrowing reach in Cardwell
Cardwell is moderately settled, with about 846 people per square mile and 51 larger places within 50 miles. Whether Cardwell has a local branch or not, a Missouri-licensed lender can serve its 533 people online on the same terms. The nearest larger city, Senath, MO about 9 miles away.
Inside a Cardwell personal loan
In Cardwell, a small community of about 533, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Cardwell can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Cardwell loan is knowable in advance — unlike a revolving card balance.
Missouri rules behind a Cardwell personal loan
Read the table as a lender's compliance picture for Cardwell: the rule, the sourced figure, the publisher and the date.
| 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 |
Common questions
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Nearby places
- Arbyrd, MO — population 392
- Leachville, AR — population 1,924
- Senath, MO — population 1,519
- Monette, AR — population 1,603
- Marmaduke, AR — population 1,238
- Hornersville, MO — population 507
- Manila, AR — population 3,714
- Rector, AR — population 1,824