Personal loans in Coney Island, MO

Coney Island counts about 47 people, and what is genuinely local about borrowing here is limited — Missouri law does the governing.

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.

Which products a lender may offer to Coney Island's 47 residents follows from the Missouri consumer-lending framework. With 47 residents, Coney Island outranks about 6% of the communities in Missouri. Read the disclosure for an origination fee and any prepayment penalty before signing in Coney Island. From the 2020 Census base to the 2023 estimate, the population rose by about 4.4%. The next larger city is Kimberling City, MO about 4 miles away.

The Coney Island data picture

Set out below is Coney Island's local context next to the state-level rules that reach every lender here.

Before you apply in Coney Island

For Coney Island's roughly 47 residents, these are the steps that most influence the offer:

  1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Line up several pre-qualified offers and let the APR decide.
  4. Verify the lender's Missouri licence with the regulator listed on this page.
  5. Pick the shortest term whose payment you can comfortably afford.
  6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  7. Decide the purpose and how you will repay it before approaching any lender.

In Coney Island as elsewhere in Missouri, the written terms — not the advertisement — are what count for its 47 residents.

Land, water and location for Coney Island

Coney Island's land area is roughly 0.1 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 734 people per square mile. For the state's biggest city, Kansas City, the distance is roughly 186 miles. Counting outward 50 miles, 97 larger communities surround Coney Island. By land area it ranks 925th of 937 Missouri places.

Lender access in Coney Island

Coney Island is moderately settled, with about 734 people per square mile and 97 larger places within 50 miles. Lenders licensed in Missouri reach Coney Island's 47 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Kimberling City, MO about 4 miles away.

How Coney Island compares across Missouri

Coney Island is the 885th-largest of 937 Census places in Missouri and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 124th of 937 Missouri places, putting it near the 87th percentile for growth. At about 734 people per square mile, Coney Island is the 477th most densely settled place in Missouri. Between 2020 and 2023 the count changed by roughly 2 residents.

Missouri rules behind a Coney Island personal loan

These are Missouri's sourced lending facts as they reach Coney Island's 47 residents; the state has no city-level rate rule.

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