Personal loans in Flemington, MO

Flemington is one of 937 Census places in Missouri; its 114 residents put it at 773rd. From the 2020 Census base to the 2023 estimate, the population rose by about 3.6%.

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 Flemington are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 114 population. Consumer lending that reaches Flemington's 114 residents is governed by Missouri statute; no city ordinance changes it. Read the disclosure for an origination fee and any prepayment penalty before signing in Flemington. The closest larger place is Humansville, MO about 4 miles away.

Flemington: population, trend and location

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

What is available to Flemington borrowers

Flemington is a lightly settled community of about 114 people, with 59 larger places inside a 50-mile radius. Whether Flemington has a local branch or not, a Missouri-licensed lender can serve its 114 people online on the same terms. For a larger market, the closest option is Humansville, MO about 4 miles away.

Land, water and location for Flemington

Inside Flemington's boundaries lie about 0.3 square miles of land, with no significant water area recorded. With 114 residents, the land area yields roughly 344 people per square mile. The state's population centre of gravity, Kansas City, is roughly 107 miles away. Flemington has 59 larger places within a 50-mile radius. Within the same 50 miles lie 14 smaller Census places.

Which Missouri laws govern a loan in Flemington

Read the table as a lender's compliance picture for Flemington: 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
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
Payday lending statusLegal 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

What to do before borrowing in Flemington

These steps shape the offer you get in Flemington, a place of about 114 people:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Model the payment on the calculator before a lender models it for you.
  3. Get several pre-qualifications and compare APR side by side before choosing.
  4. Confirm the lender holds a Missouri licence by checking the regulator named above.
  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 Flemington-specific: the same Missouri licensing and disclosure rules reach all 114 residents.

How personal loans work in Flemington

Most loans made to Flemington's 114 residents are unsecured, so nothing is pledged and the lender relies on your credit history. Two numbers drive a Flemington loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Flemington decides the split between a comfortable payment and the total interest you pay.

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