Personal loans in Ladue, MO
Ladue counts about 8,880 people, and what is genuinely local about borrowing here is limited — Missouri law does the governing. With 8,880 residents, Ladue outranks about 91% of the communities in Missouri.
Population in Ladue dropped about 1.2% over the three years from 2020 to 2023. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Ladue loan. The nearest larger city is Richmond Heights, MO about 3 miles away. A lender that serves Ladue operates under Missouri lending statutes and a Missouri supervisor.
The Ladue data picture
Two layers matter for a Ladue borrower: the local population picture and Missouri's consumer-lending statutes.
- Population: 8,880 people, a figure that places Ladue 89th among the 937 Census places in Missouri (US Census Bureau, Vintage 2023).
- Population trend: The 2020-to-2023 change is negative, near 1.2%.
- Absolute change: 110 residents lost between 2020 and 2023.
- Size percentile: roughly 91% of Missouri's places have fewer residents than Ladue's 8,880.
- Density: the Census land area of 8.6 sq mi holds about 1,037 people per square mile.
- By land area: Ladue ranks 76th among Missouri's 937 places, at 8.6 sq mi.
- Within Missouri: about 0.2% of the state's population lives in Ladue.
- National rank: Ladue sits 3,413th by population among the 19,457 places in this dataset.
- Growth rank: Ladue ranks 675th among Missouri's 937 places for the 2020-to-2023 change.
- Versus Missouri: the state average change is +0.8%, while Ladue moved 1.2%.
- Density rank: Ladue places 285th among Missouri's places by people per square mile.
- Density in context: Ladue's 1,037 people per square mile sit against a Missouri median of 743.
- Location: the Census Gazetteer records it at 38.6364, -90.3851.
- Nearest larger cities: Richmond Heights (3 mi); Clayton (3 mi); University City (4 mi); Creve Coeur (4 mi); Webster Groves (4 mi). Online lenders reach Ladue no matter how far the nearest branch is.
- Smaller communities close by: Frontenac (2 mi); Huntleigh (2 mi); Warson Woods (2 mi), each with its own Census population profile.
- Smaller neighbours: 202 places smaller than Ladue sit within 50 miles.
- At 100 miles: 73 larger Census places fall inside that radius.
Ladue: area, density and distance
Inside Ladue's boundaries lie about 8.6 square miles of land, with no significant water area recorded. The resulting density is about 1,037 people per square mile. The largest place in Missouri, Kansas City, lies about 227 miles away. Within 50 miles of Ladue there are 58 larger Census places. By land area it ranks 76th of 937 Missouri places.
Ladue in state context
Within Missouri, Ladue holds roughly 0.2% of all residents, the 89th-largest share among 937 places. For population change between 2020 and 2023, Ladue ranks 675th of 937 in Missouri (about the 28th percentile). At about 1,037 people per square mile, Ladue is the 285th most densely settled place in Missouri. Within 50 miles sit 202 smaller Census places, alongside the 58 that are larger.
What shapes a Ladue personal loan
Ladue is a small town of about 8,880 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. The rate you see advertised is a range, not a promise, until a lender reviews your file in Ladue. The term you choose in Ladue decides the split between a comfortable payment and the total interest you pay.
Missouri rules behind a Ladue personal loan
When Missouri does not publish a figure, the row links to the source instead of inventing a number; Ladue is bound by the same rules.
| 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 lenders reach Ladue
At roughly 1,037 people per square mile, Ladue is moderately settled; 58 larger places lie within 50 miles. Lenders licensed in Missouri reach Ladue's 8,880 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Richmond Heights, MO about 3 miles away.
Common questions
What are my options in Ladue if my credit is poor?
What loan size can I expect in Ladue?
Do I have to pledge anything to borrow in Ladue?
Does comparing loans in Ladue cost me credit score points?
Nearby places
- Warson Woods, MO — population 1,982
- Rock Hill, MO — population 4,649
- Huntleigh, MO — population 351
- Frontenac, MO — population 3,727
- Olivette, MO — population 8,843
- Brentwood, MO — population 8,070
- Glendale, MO — population 6,051
- Westwood, MO — population 308