Personal loans in Fidelity, MO
With roughly 228 residents, Fidelity is a small community, and the lending rules its borrowers live under are written in Missouri, not by the city.
The Census counts 228 people in Fidelity, the 629th-largest figure among Missouri's 937 places. The trend for Fidelity between 2020 and 2023 is upward by roughly 0.9%. Which products a lender may offer to Fidelity's 228 residents follows from the Missouri consumer-lending framework. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Fidelity loan. Borrowers who want a bigger city can look to Carthage, MO about 5 miles away.
Fidelity: the sourced local profile
Set out below is Fidelity's local context next to the state-level rules that reach every lender here.
- Population: the Census counts 228 residents in Fidelity (Vintage 2023 subcounty estimate), the 629th-largest figure among Missouri's 937 places.
- Population trend: Growth of about 0.9% across the 2020-to-2023 comparison.
- Absolute change: 2 residents added between 2020 and 2023.
- Size percentile: Fidelity sits ahead of around 33% of Missouri places, at 228 people.
- Population density: about 236 people per square mile (Census land area 1.0 sq mi).
- Land area: Fidelity covers 1.0 square miles, the 433rd-largest area among Missouri's 937 places.
- Share of state population: Fidelity's 228 residents are about 0.0% of Missouri.
- National rank: Fidelity is the 16,045th most populous of the 19,457 Census places covered here.
- Growth rank: Fidelity ranks 382nd among Missouri's 937 places for the 2020-to-2023 change.
- Against the state trend: Fidelity's 0.9% change compares with a Missouri average of +0.8% across its 937 places.
- Density in Missouri: Fidelity ranks 833rd by people per square mile.
- Density in context: Fidelity's 236 people per square mile sit against a Missouri median of 743.
- Location: coordinates 37.0817, -94.3096 (US Census Bureau Gazetteer).
- Nearest larger cities: Carthage (5 mi); Duenweg (6 mi); Diamond (6 mi); Duquesne (8 mi); Carterville (8 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities close by: Brooklyn Heights (7 mi); Reeds (8 mi); Dennis Acres (11 mi), each with its own Census population profile.
- Smaller neighbours: 39 places smaller than Fidelity sit within 50 miles.
- At 100 miles: 267 larger Census places fall inside that radius.
What is available to Fidelity borrowers
Fidelity is lightly settled, with about 236 people per square mile and 94 larger places within 50 miles. What is available to Fidelity's 228 borrowers is set by Missouri licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Carthage, MO about 5 miles away.
How Missouri law applies in Fidelity
Below are the Missouri rules that apply to a loan made in Fidelity, each with the regulator that issued it.
| 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 |
| 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 |
| Small-loan / installment lender licensing | Consumer 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 |
Fidelity on the map
Inside Fidelity's boundaries lie about 1.0 square miles of land, with no significant water area recorded. With 228 residents, the land area yields roughly 236 people per square mile. The state's population centre of gravity, Kansas City, is roughly 142 miles away. Within 50 miles of Fidelity there are 94 larger Census places. Within the same 50 miles lie 39 smaller Census places.
Inside a Fidelity personal loan
In Fidelity, a small community of about 228, 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 Fidelity can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Fidelity loan is knowable in advance — unlike a revolving card balance.
How Fidelity compares across Missouri
Against Missouri's other places, Fidelity accounts for about 0.0% of the state's population and ranks 629th of 937 by size. On the 2020-to-2023 trend, Fidelity stands 382nd among Missouri's 937 places — roughly the 59th percentile. At about 236 people per square mile, Fidelity is the 833rd most densely settled place in Missouri. Between 2020 and 2023 the count changed by roughly 2 residents.
Common questions
What are my options in Fidelity if my credit is poor?
What loan size can I expect in Fidelity?
Do I have to pledge anything to borrow in Fidelity?
Does comparing loans in Fidelity cost me credit score points?
Nearby places
- Carthage, MO — population 15,556
- Diamond, MO — population 872
- Duenweg, MO — population 1,864
- Brooklyn Heights, MO — population 103
- Carterville, MO — population 1,853
- Reeds, MO — population 92
- Duquesne, MO — population 2,327
- Granby, MO — population 2,081