Personal loans in Ionia, MO
A lender that serves Ionia operates under Missouri lending statutes and a Missouri supervisor. Ionia is a small community in Missouri, with an estimated 78 residents, and every licensed lender here follows the same state rulebook.
Ionia ranks 824th of 937 places in Missouri, with a population near 78. The trend for Ionia between 2020 and 2023 is upward by roughly 5.4%. Price two or three terms so you can see which payment is truly affordable in Ionia. The nearest larger city is Cole Camp, MO about 7 miles away.
Ionia by the numbers
Ionia is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: a Census-estimated 78, 824th among Missouri's 937 places (Vintage 2023).
- Population trend: A gain of roughly 5.4% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 4 residents.
- Size percentile: with 78 residents, Ionia is larger than about 12% of Missouri's Census places.
- Population density: 527 people per square mile on 0.1 square miles of land.
- Land area: Ionia covers 0.1 square miles, the 854th-largest area among Missouri's 937 places.
- Within Missouri: about 0.0% of the state's population lives in Ionia.
- Nationally: Ionia is the 18,515th-largest of 19,457 Census places in the dataset.
- Growth rank: Ionia ranks 86th among Missouri's 937 places for the 2020-to-2023 change.
- Versus Missouri: the state average change is +0.8%, while Ionia moved 5.4%.
- Density in Missouri: Ionia ranks 616th by people per square mile.
- Density vs Missouri: Ionia's 527 people per square mile compare with a state median of 743.
- Location: latitude 38.5037, longitude -93.3235 (Census Gazetteer).
- Nearest larger cities: Cole Camp (7 mi); Lincoln (8 mi); Green Ridge (9 mi); Windsor (11 mi); Sedalia (15 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller towns nearby: Tightwad (18 mi); Brownington (28 mi); Vista (40 mi).
- Within a 50-mile radius: 11 smaller Census places.
- Within 100 miles: 371 places are larger than Ionia.
Lender access in Ionia
Ionia is moderately settled, with about 527 people per square mile and 80 larger places within 50 miles. A Missouri licence lets a lender serve Ionia without a local office, so branch density does not change what its 78 residents are offered. The nearest bigger place is Cole Camp, MO about 7 miles away.
How personal loans work in Ionia
In Ionia, a small community of about 78, 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 Ionia can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Ionia loan is knowable in advance — unlike a revolving card balance.
How Ionia compares across Missouri
Among Missouri's 937 places, Ionia sits at 824th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 86th of 937 Missouri places, putting it near the 91th percentile for growth. Its roughly 527 residents per square mile place it 616th among Missouri's places. Between 2020 and 2023 the count changed by roughly 4 residents.
Ionia: area, density and distance
Ionia covers about 0.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 78 residents, the land area yields roughly 527 people per square mile. The largest place in Missouri, Kansas City, lies about 79 miles away. A 50-mile radius around Ionia takes in 80 places that are larger. Within the same 50 miles lie 11 smaller Census places.
Missouri consumer-lending rules applied in Ionia
These are Missouri's sourced lending facts as they reach Ionia's 78 residents; the state has no city-level rate rule.
| 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 |
| 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 |
Common questions
What are my options in Ionia if my credit is poor?
What loan size can I expect in Ionia?
Do I have to pledge anything to borrow in Ionia?
Does comparing loans in Ionia cost me credit score points?
Nearby places
- Lincoln, MO — population 1,200
- Cole Camp, MO — population 1,167
- Green Ridge, MO — population 600
- Windsor, MO — population 2,844
- Sedalia, MO — population 22,086
- Warsaw, MO — population 2,328
- La Monte, MO — population 1,008
- Smithton, MO — population 506