Personal loans in Cobalt, MO

With roughly 262 residents, Cobalt is a small community, and the lending rules its borrowers live under are written in Missouri, not by the city. An estimated 262 people make their home in Cobalt, a figure that ranks 600th in Missouri. Between the 2020 Census base and the 2023 estimate, Cobalt's population barely changed. Decide the purpose of the loan and your repayment plan before sharing any details with a Cobalt lender. The nearest larger city is Fredericktown, MO about 2 miles away.

Local context for Cobalt

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

• Population: 262 people, a figure that places Cobalt 600th among the 937 Census places in Missouri (US Census Bureau, Vintage 2023).
• Population trend: Held essentially flat from the 2020 Census base to the 2023 estimate.
• Size percentile: Cobalt sits ahead of around 36% of Missouri places, at 262 people.
• Population density: 1,758 people per square mile on 0.1 square miles of land.
• Land area: Cobalt covers 0.1 square miles, the 853rd-largest area among Missouri's 937 places.
• Share of state population: Cobalt's 262 residents are about 0.0% of Missouri.
• National rank: Cobalt is 15,585th of 19,457 places nationwide.
• Growth in Missouri: Cobalt stands 478th by percentage change from 2020 to 2023, among 937 places.
• Against the state trend: Cobalt's 0.0% change compares with a Missouri average of +0.8% across its 937 places.
• Density rank: Cobalt is the 105th most densely settled place in Missouri.
• Against the state median: Cobalt runs about 1,758 residents per square mile, where the Missouri median is 743.
• Location: mapped by the US Census Bureau at 37.5451, -90.2869.
• Nearest larger cities: Fredericktown (2 mi); Junction City (2 mi); Farmington (18 mi); Arcadia (19 mi); Ironton (19 mi). Larger metros often have more branches, but online lenders reach Cobalt on the same terms.
• Smaller places close by: Marquand (10 mi); Sedgewickville (21 mi); Glen Allen (21 mi).
• Smaller places within 50 miles: 23 of them.
• Within 100 miles: 406 places are larger than Cobalt.

How lenders reach Cobalt

Cobalt is a moderately settled community of about 262 people, with 57 larger places inside a 50-mile radius. Whether Cobalt has a local branch or not, a Missouri-licensed lender can serve its 262 people online on the same terms. For a larger market, the closest option is Fredericktown, MO about 2 miles away.

Before you apply in Cobalt

Complete these steps first when you borrow in Cobalt (262 residents):

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Model the payment on the calculator before a lender models it for you.
3. Shop at least three lenders and judge them on APR and total cost.
4. Check the Missouri regulator's records to confirm the lender is licensed here.
5. Pick the shortest term whose payment you can comfortably afford.
6. Borrow only what the purpose requires, not the maximum you are offered.
7. Be clear on what the loan is for and how it gets repaid.

What differs between Cobalt and the rest of Missouri is not the process but the borrower's own file, among the 262 people here.

Cobalt: area, density and distance

Cobalt covers about 0.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 262 residents, the land area yields roughly 1,758 people per square mile. The largest place in Missouri, Kansas City, lies about 256 miles away. Cobalt has 57 larger places within a 50-mile radius. By land area it ranks 853rd of 937 Missouri places.

Cobalt against the rest of Missouri

Set beside Missouri's 937 places, Cobalt ranks 600th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Cobalt stands 478th among Missouri's 937 places — roughly the 49th percentile. By density, at about 1,758 people per square mile, it ranks 105th in Missouri. Between 2020 and 2023 the count changed by roughly 0 residents.

How Missouri law applies in Cobalt

Read the table as a lender's compliance picture for Cobalt: the rule, the sourced figure, the publisher and the date.