Personal loans in Leonard, MO
Leonard, Missouri — home to about 55 people — is a small community, so the terms you are offered follow Missouri law rather than any local rule. Roughly 55 residents live in Leonard, the 874th-largest community in Missouri.
Verify the lender's Missouri licence against the regulator named below before borrowing in Leonard. From the 2020 Census base to the 2023 estimate, the population declined by about 3.5%. Every figure below is Missouri's own, applied to Leonard's 55 residents, with the publisher and retrieval date attached. Borrowers who want a bigger city can look to Novelty, MO about 8 miles away.
Leonard: population, trend and location
Here is the sourced Census picture for Leonard, plus the Missouri lending rules that apply to a loan taken out here.
- Population: 55 people, a figure that places Leonard 874th among the 937 Census places in Missouri (US Census Bureau, Vintage 2023).
- Population trend: A drop of about 3.5% from 2020 to 2023.
- People gained or lost: about 2 fewer since the 2020 base.
- Size percentile: roughly 7% of Missouri's places have fewer residents than Leonard's 55.
- Population density: about 171 people per square mile across 0.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
- By land area: Leonard ranks 688th among Missouri's 937 places, at 0.3 sq mi.
- State share: roughly 0.0% of Missouri's residents live in Leonard (55 people).
- National standing: Leonard ranks 18,906th of 19,457 US places.
- Growth rank: Leonard's 2020-to-2023 change ranks 878th of 937 places in Missouri.
- State comparison: Missouri's places average +0.8% for 2020-to-2023, against Leonard's 3.5%.
- Density in Missouri: Leonard ranks 871st by people per square mile.
- Against the state median: Leonard runs about 171 residents per square mile, where the Missouri median is 743.
- Location: it lies at 39.8944, -92.1820 in the Census Gazetteer.
- Nearest larger cities: Novelty (8 mi); Bethel (9 mi); Shelbyville (10 mi); Clarence (11 mi); Atlanta (16 mi). Larger metros often have more branches, but online lenders reach Leonard on the same terms.
- Nearest smaller places: Elmer (25 mi); South Gifford (28 mi); Stoutsville (29 mi).
- Smaller neighbours: 6 places smaller than Leonard sit within 50 miles.
- Within 100 miles: 394 places are larger than Leonard.
How lenders reach Leonard
With about 171 residents per square mile, Leonard is lightly settled, and 73 larger Census places sit within 50 miles. Distance to a branch rarely matters for Leonard's 55 residents: the application is online and the price follows your credit file. The nearest bigger place is Novelty, MO about 8 miles away.
Missouri rules behind a Leonard personal loan
This table holds the Missouri rate and licensing rules for consumer loans made to Leonard's 55 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 |
| 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 |
How Leonard compares across Missouri
Set beside Missouri's 937 places, Leonard ranks 874th by population and holds about 0.0% of the state total. For population change between 2020 and 2023, Leonard ranks 878th of 937 in Missouri (about the 6th percentile). Its roughly 171 residents per square mile place it 871st among Missouri's places. The population moved by about 2 people between 2020 and 2023, a 3.5% shift.
Inside a Leonard personal loan
Leonard is a small community of about 55 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 Leonard. Shortening the term on a Leonard loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Leonard: area, density and distance
Leonard's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 171 people per square mile. For the state's biggest city, Kansas City, the distance is roughly 137 miles. Leonard has 73 larger places within a 50-mile radius. Within the same 50 miles lie 6 smaller Census places.
Common questions
What are my options in Leonard if my credit is poor?
What loan size can I expect in Leonard?
Do I have to pledge anything to borrow in Leonard?
Does comparing loans in Leonard cost me credit score points?
Nearby places
- Novelty, MO — population 104
- Bethel, MO — population 128
- Shelbyville, MO — population 505
- Clarence, MO — population 720
- Newark, MO — population 55
- Shelbina, MO — population 1,567
- Edina, MO — population 1,009
- Hurdland, MO — population 154