Personal loans in Claycomo, MO

For the 1,353 people in Claycomo, Missouri runs its own consumer-lending licensing, and the sourced table below lists the figures that apply.

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.

Claycomo is home to roughly 1,353 people and stands 294th by size out of 937 Census places in Missouri. Claycomo, Missouri — home to about 1,353 people — is a small community, so the terms you are offered follow Missouri law rather than any local rule. The 2020 count to the 2023 estimate shows about 1.1% growth in Claycomo. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Claycomo loan. Borrowers who want a bigger city can look to Pleasant Valley, MO about 1 miles away.

Claycomo: population, trend and location

Only a few things actually differ by place — population, area, location, and the Missouri rules a lender must follow — and they are below.

The state rulebook for Claycomo

This table holds the Missouri rate and licensing rules for consumer loans made to Claycomo's 1,353 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
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
Small-loan / installment lender licensingConsumer 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

Getting a loan in Claycomo

With about 520 residents per square mile, Claycomo is moderately settled, and 75 larger Census places sit within 50 miles. What is available to Claycomo's 1,353 borrowers is set by Missouri licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Pleasant Valley, MO about 1 miles away.

Where Claycomo sits in Missouri

Claycomo is the 294th-largest of 937 Census places in Missouri and contains about 0.0% of the state's people. On the 2020-to-2023 trend, Claycomo stands 356th among Missouri's 937 places — roughly the 62th percentile. At about 520 people per square mile, Claycomo is the 619th most densely settled place in Missouri. Within 50 miles sit 92 smaller Census places, alongside the 75 that are larger.

Claycomo: area, density and distance

Claycomo covers about 2.6 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 520 people per square mile. The state's population centre of gravity, Kansas City, is roughly 6 miles away. Within 50 miles of Claycomo there are 75 larger Census places. By land area it ranks 226th of 937 Missouri places.

The anatomy of a Claycomo personal loan

Most loans made to Claycomo's 1,353 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Because pricing is borrower-level, two people in Claycomo can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Claycomo loan is knowable in advance — unlike a revolving card balance.

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