Personal loans in Fleming, MO

Rate ceilings, licensing requirements and product limits for Fleming are all set at the Missouri level. By population, Fleming sits at 770th in Missouri, with an estimated 115 residents.

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.

Personal loans in Fleming are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 115 population. Census figures put the 2020-to-2023 increase in Fleming at about 0.9%. Read the disclosure for an origination fee and any prepayment penalty before signing in Fleming. The closest larger city is Camden, MO about 2 miles away.

The Fleming data picture

Read the local figures below as context; read the sourced Missouri table as the rulebook a lender here must follow.

Fleming's place among Missouri's 937 places

Fleming is the 770th-largest of 937 Census places in Missouri and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 384th of 937 Missouri places, putting it near the 59th percentile for growth. At about 213 people per square mile, Fleming is the 846th most densely settled place in Missouri. By land area, its 0.5 square miles rank 576th of 937 places in Missouri.

Getting a loan in Fleming

With about 213 residents per square mile, Fleming is lightly settled, and 147 larger Census places sit within 50 miles. Lenders licensed in Missouri reach Fleming's 115 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Camden, MO about 2 miles away.

A pre-application checklist for Fleming

For Fleming's roughly 115 residents, these are the steps that most influence the offer:

  1. Pull your credit reports first and correct any error before a lender sees the file.
  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. Verify the lender's Missouri licence with the regulator listed on this page.
  5. Choose a term you can live with; stretching it lowers the payment but raises total interest.
  6. Do not borrow more than the expense calls for, even if a lender approves a larger amount.
  7. Write down the purpose of the loan and your repayment plan before you apply.

None of these steps is Fleming-specific: the same Missouri licensing and disclosure rules reach all 115 residents.

The state rulebook for Fleming

For the roughly 115 residents of Fleming, the rules below are Missouri's own; each row carries its publisher and retrieval 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
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
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

Fleming: area, density and distance

Fleming covers about 0.5 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 213 residents per square mile. The state's population centre of gravity, Kansas City, is roughly 27 miles away. Fleming has 147 larger places within a 50-mile radius. Within the same 50 miles lie 21 smaller Census places.

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

Related