Personal loans in Jacksonville, MO
Population in Jacksonville dropped about 0.8% over the three years from 2020 to 2023. The Census estimates 121 residents in Jacksonville, which ranks it 764th of 937 places in Missouri.
The roughly 121 people who live in Jacksonville borrow under Missouri rules; city hall sets no personal-loan rate. Judge Jacksonville offers on total cost, not on how quickly the money arrives. A single loan can carry different costs on either side of a state line, and Jacksonville sits on the Missouri side of that line. The nearest larger metro is Cairo, MO about 6 miles away.
Jacksonville by the numbers
What follows is Jacksonville's place in the Census record, alongside the Missouri rules that govern a personal loan made here.
- Population: about 121 people live here, which puts Jacksonville 764th of 937 Census places in Missouri (Vintage 2023).
- Population trend: A drop of about 0.8% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 1 residents.
- Size percentile: roughly 18% of Missouri places rank below Jacksonville.
- Land and density: 0.1 square miles of land carry roughly 1,100 residents per square mile.
- Land area rank: Jacksonville's 0.1 square miles rank 891st of 937 places in Missouri.
- Share of Missouri: Jacksonville holds about 0.0% of the state's population, some 121 people.
- National standing: Jacksonville ranks 17,760th of 19,457 US places.
- Growth rank: Jacksonville ranks 619th among Missouri's 937 places for the 2020-to-2023 change.
- State comparison: Missouri's places average +0.8% for 2020-to-2023, against Jacksonville's 0.8%.
- Density in Missouri: Jacksonville ranks 252nd by people per square mile.
- Against the state median: Jacksonville runs about 1,100 residents per square mile, where the Missouri median is 743.
- Location: 39.5878, -92.4729 (Census Gazetteer coordinates).
- Nearest larger cities: Cairo (6 mi); Macon (11 mi); Huntsville (11 mi); Moberly (12 mi); Bevier (12 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Smaller places nearby: Clifton Hill (14 mi); Holliday (19 mi); Ethel (25 mi).
- Smaller neighbours: 24 places smaller than Jacksonville sit within 50 miles.
- Larger places within 100 miles: 311.
Jacksonville in state context
Among Missouri's 937 places, Jacksonville sits at 764th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 619th of 937 Missouri places, putting it near the 34th percentile for growth. Its roughly 1,100 residents per square mile place it 252nd among Missouri's places. The population moved by about 1 people between 2020 and 2023, a 0.8% shift.
What a Jacksonville borrower is actually offered
Jacksonville is a small community of about 121 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Jacksonville loan: the APR, which includes fees, and the term, which decides how long you keep paying. The term you choose in Jacksonville decides the split between a comfortable payment and the total interest you pay.
Borrowing reach in Jacksonville
Jacksonville is moderately settled, with about 1,100 people per square mile and 61 larger places within 50 miles. Distance to a branch rarely matters for Jacksonville's 121 residents: the application is online and the price follows your credit file. The nearest bigger place is Cairo, MO about 6 miles away.
Missouri rules behind a Jacksonville personal loan
For the roughly 121 residents of Jacksonville, the rules below are Missouri's own; each row carries its publisher and retrieval date.
| 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 |
Jacksonville: area, density and distance
Inside Jacksonville's boundaries lie about 0.1 square miles of land, with no significant water area recorded. The resulting density is about 1,100 people per square mile. Kansas City, the largest place in Missouri, is about 115 miles from Jacksonville. A 50-mile radius around Jacksonville takes in 61 places that are larger. By land area it ranks 891st of 937 Missouri places.
Common questions
What are my options in Jacksonville if my credit is poor?
What loan size can I expect in Jacksonville?
Do I have to pledge anything to borrow in Jacksonville?
Does comparing loans in Jacksonville cost me credit score points?
Nearby places
- Cairo, MO — population 203
- Macon, MO — population 5,495
- Huntsville, MO — population 1,357
- Moberly, MO — population 13,296
- Bevier, MO — population 630
- Callao, MO — population 248
- Clifton Hill, MO — population 86
- Renick, MO — population 150