Personal loans in Jennings, MO
Jennings is a small town in Missouri, with an estimated 12,836 residents, and every licensed lender here follows the same state rulebook. About 12,836 people live in Jennings, placing it 64th of 937 Census places in Missouri.
A 2020-to-2023 comparison shows Jennings down by about 0.5%. Every figure below is Missouri's own, applied to Jennings's 12,836 residents, with the publisher and retrieval date attached. Read the disclosure for an origination fee and any prepayment penalty before signing in Jennings. For a bigger market, look to Ferguson, MO about 2 miles away.
Borrowing in Jennings: the local picture
What follows is Jennings's place in the Census record, alongside the Missouri rules that govern a personal loan made here.
- Population: 12,836 residents; Jennings is the 64th-largest of 937 places in Missouri (US Census Bureau, Vintage 2023).
- Population trend: Down about 0.5% from the 2020 Census base to the 2023 estimate.
- Absolute change: 62 residents lost between 2020 and 2023.
- Size percentile: roughly 93% of Missouri's places have fewer residents than Jennings's 12,836.
- Density: the Census land area of 3.7 sq mi holds about 3,439 people per square mile.
- By land area: Jennings ranks 173rd among Missouri's 937 places, at 3.7 sq mi.
- State population share: Jennings accounts for about 0.3% of everyone in Missouri.
- National rank: Jennings is 2,640th of 19,457 places nationwide.
- Growth rank: Jennings's 2020-to-2023 change ranks 578th of 937 places in Missouri.
- Versus Missouri: the state average change is +0.8%, while Jennings moved 0.5%.
- Density rank: Jennings places 44th among Missouri's places by people per square mile.
- Against the state median: Jennings runs about 3,439 residents per square mile, where the Missouri median is 743.
- Location: coordinates 38.7231, -90.2644 (US Census Bureau Gazetteer).
- Nearest larger cities: Ferguson (2 mi); University City (5 mi); Overland (6 mi); St. Louis (6 mi); Florissant (6 mi). A branch is convenient; it is not what sets your APR.
- Smaller communities within reach: Flordell Hills (0 mi); Country Club Hills (1 mi); Norwood Court (1 mi).
- Within a 50-mile radius: 226 smaller Census places.
- Within 100 miles: 50 places are larger than Jennings.
Missouri consumer-lending rules applied in Jennings
This table holds the Missouri rate and licensing rules for consumer loans made to Jennings's 12,836 residents.
| 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 |
| 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 status | Legal 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 |
How personal loans work in Jennings
Jennings is a small town of about 12,836 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. A lender serving Jennings's 12,836 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Jennings loan is knowable in advance — unlike a revolving card balance.
Jennings on the map
Jennings's land area is roughly 3.7 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 3,439 people per square mile. The largest place in Missouri, Kansas City, lies about 232 miles away. Jennings has 40 larger places within a 50-mile radius. Within the same 50 miles lie 226 smaller Census places.
Where Jennings sits in Missouri
Within Missouri, Jennings holds roughly 0.3% of all residents, the 64th-largest share among 937 places. For population change between 2020 and 2023, Jennings ranks 578th of 937 in Missouri (about the 38th percentile). Its roughly 3,439 residents per square mile place it 44th among Missouri's places. By land area, its 3.7 square miles rank 173rd of 937 places in Missouri.
Getting a loan in Jennings
Jennings is fairly dense, with about 3,439 people per square mile and 40 larger places within 50 miles. Distance to a branch rarely matters for Jennings's 12,836 residents: the application is online and the price follows your credit file. The nearest larger city, Ferguson, MO about 2 miles away.
Common questions
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Nearby places
- Flordell Hills, MO — population 705
- Country Club Hills, MO — population 994
- Northwoods, MO — population 3,583
- Norwood Court, MO — population 873
- Pine Lawn, MO — population 2,683
- Moline Acres, MO — population 2,096
- Pasadena Hills, MO — population 883
- Pasadena Park, MO — population 426