Personal loans in Commerce, MO

Commerce counts about 41 people, and what is genuinely local about borrowing here is limited — Missouri law does the governing. By population, Commerce sits at 894th in Missouri, with an estimated 41 residents.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

Pull your credit reports and line up at least three offers before you apply from Commerce. The 2020 count to the 2023 estimate shows about 2.4% decline in Commerce. Consumer lending that reaches Commerce's 41 residents is governed by Missouri statute; no city ordinance changes it. The next larger city is Thebes, IL about 4 miles away.

Commerce: the sourced local profile

The figures below are Commerce's own — Census population, land area and coordinates — followed by the Missouri rules.

How Missouri law applies in Commerce

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

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
Additional loan fee cap (30+ day loans)Up to 10% of principal, capped at $100 (RSMo § 408.140)
Source says: "a fee, not to exceed ten percent of the principal amount loaned not to exceed one hundred dollars may be charged by the lender"		Missouri Revisor of Statutes
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

What a Commerce borrower is actually offered

In Commerce, a small community of about 41, 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 Commerce can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Commerce loan is knowable in advance — unlike a revolving card balance.

Where Commerce sits

Commerce covers about 0.3 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 118 people per square mile. The largest place in Missouri, Kansas City, lies about 309 miles away. A 50-mile radius around Commerce takes in 110 places that are larger. The 100-mile radius contains 398 larger places.

Commerce against the rest of Missouri

Set beside Missouri's 937 places, Commerce ranks 894th by population and holds about 0.0% of the state total. On the 2020-to-2023 trend, Commerce stands 801st among Missouri's 937 places — roughly the 15th percentile. At about 118 people per square mile, Commerce is the 898th most densely settled place in Missouri. In land area, Commerce ranks 661st among Missouri's 937 places.

How lenders reach Commerce

Commerce is a lightly settled community of about 41 people, with 110 larger places inside a 50-mile radius. What is available to Commerce's 41 borrowers is set by Missouri licensing and your own credit, not by how many branches are nearby. The nearest bigger place is Thebes, IL about 4 miles away.

Compare personal loan offers Run the numbers first

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

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