Personal loans in Hale, MO

Census figures put the 2020-to-2023 decrease in Hale at about 1.6%. Personal loans in Hale are mostly unsecured, so the APR reflects how a lender reads your credit — not the city's 373 population.

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.

With an estimated 373 residents, Hale is the 535th-largest of 937 places in Missouri. The closest larger place is Meadville, MO about 13 miles away. For the 373 people in Hale, Missouri runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Begin with the payment, then weigh APR and total interest across the lenders that reach Hale's 373 residents.

Where Hale stands

Two layers matter for a Hale borrower: the local population picture and Missouri's consumer-lending statutes.

Lender access in Hale

Hale is moderately settled, with about 679 people per square mile and 41 larger places within 50 miles. Lenders licensed in Missouri reach Hale's 373 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Meadville, MO about 13 miles away.

A practical checklist for Hale borrowers

Complete these steps first when you borrow in Hale (373 residents):

  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. Line up several pre-qualified offers and let the APR decide.
  4. Make sure the lender appears in the Missouri regulator's licence list.
  5. Look for an origination fee or prepayment penalty in the written disclosure.
  6. Check that the monthly payment fits your budget next to your existing obligations.
  7. Pick the shortest term whose payment you can comfortably afford.

In Hale as elsewhere in Missouri, the written terms — not the advertisement — are what count for its 373 residents.

Hale on the map

Hale's land area is roughly 0.5 square miles, and the Gazetteer records no significant water area within it. With 373 residents, the land area yields roughly 679 people per square mile. The state's population centre of gravity, Kansas City, is roughly 73 miles away. Within 50 miles of Hale there are 41 larger Census places. Within the same 50 miles lie 65 smaller Census places.

Hale's place among Missouri's 937 places

Within Missouri, Hale holds roughly 0.0% of all residents, the 535th-largest share among 937 places. Its 2020-to-2023 change ranks 719th of 937 Missouri places, putting it near the 23th percentile for growth. At about 679 people per square mile, Hale is the 509th most densely settled place in Missouri. In land area, Hale ranks 571st among Missouri's 937 places.

Missouri rules behind a Hale personal loan

Below are the Missouri rules that apply to a loan made in Hale, each with the regulator that issued it.

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

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

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