Personal loans in La Russell, MO

Two households in La Russell with comparable incomes can still be offered different rates; the city's 134 residents are not the reason. Judge La Russell offers on total cost, not on how quickly the money arrives.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

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.

La Russell is home to roughly 134 people and stands 751st by size out of 937 Census places in Missouri. Which products a lender may offer to La Russell's 134 residents follows from the Missouri consumer-lending framework. Population in La Russell dropped about 0.7% over the three years from 2020 to 2023. The closest larger place is Sarcoxie, MO about 6 miles away.

Local context for La Russell

What follows is La Russell's place in the Census record, alongside the Missouri rules that govern a personal loan made here.

How a La Russell personal loan is priced

In La Russell, a small community of about 134, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving La Russell's 134 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a La Russell loan is knowable in advance — unlike a revolving card balance.

Missouri consumer-lending rules applied in La Russell

Read the table as a lender's compliance picture for La Russell: 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
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

La Russell: area, density and distance

La Russell's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. With 134 residents, the land area yields roughly 400 people per square mile. The largest place in Missouri, Kansas City, lies about 140 miles away. A 50-mile radius around La Russell takes in 110 places that are larger. The 100-mile radius contains 296 larger places.

A pre-application checklist for La Russell

Before you hand your details to a lender in La Russell, where the population is near 134:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Confirm the Missouri licence with the regulator named above before committing.
  5. Weigh a shorter term's higher payment against the interest it saves.
  6. Keep the amount to the expense; an approval is not a reason to take more.
  7. Be clear on what the loan is for and how it gets repaid.

In La Russell as elsewhere in Missouri, the written terms — not the advertisement — are what count for its 134 residents.

La Russell in state context

Set beside Missouri's 937 places, La Russell ranks 751st by population and holds about 0.0% of the state total. For population change between 2020 and 2023, La Russell ranks 609th of 937 in Missouri (about the 35th percentile). At about 400 people per square mile, La Russell is the 719th most densely settled place in Missouri. In land area, La Russell ranks 669th among Missouri's 937 places.

Compare personal loan offers Run the numbers first

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