Personal loans in Longtown, MO

A 2020-to-2023 comparison shows Longtown down by about 1.1%. Begin with the payment, then weigh APR and total interest across the lenders that reach Longtown's 91 residents. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Longtown's 91 residents. The closest larger place is Perryville, MO about 7 miles away.

Borrowing in Longtown: the local picture

Two layers matter for a Longtown borrower: the local population picture and Missouri's consumer-lending statutes.

• Population: 91 — Longtown ranks 810th of 937 communities in Missouri (US Census Bureau, Vintage 2023).
• Population trend: The 2020-to-2023 change is negative, near 1.1%.
• People gained or lost: about 1 fewer since the 2020 base.
• Size percentile: about 14% of Missouri communities are smaller than Longtown (91 residents).
• Land and density: 0.1 square miles of land carry roughly 728 residents per square mile.
• By land area: Longtown ranks 874th among Missouri's 937 places, at 0.1 sq mi.
• Share of state population: Longtown's 91 residents are about 0.0% of Missouri.
• National rank: Longtown sits 18,284th by population among the 19,457 places in this dataset.
• Growth in Missouri: Longtown stands 655th by percentage change from 2020 to 2023, among 937 places.
• Versus Missouri: the state average change is +0.8%, while Longtown moved 1.1%.
• Density in Missouri: Longtown ranks 482nd by people per square mile.
• Density vs Missouri: Longtown's 728 people per square mile compare with a state median of 743.
• Location: 37.6703, -89.7741 (Census Gazetteer coordinates).
• Nearest larger cities: Perryville (7 mi); Frohna (9 mi); Altenburg (11 mi); Oak Ridge (12 mi); Sedgewickville (13 mi). Online lenders reach Longtown no matter how far the nearest branch is.
• Nearest smaller towns: Old Appleton (6 mi); Rockwood (12 mi); Kaskaskia (19 mi) — useful context for the surrounding area.
• Smaller neighbours: 8 places smaller than Longtown sit within 50 miles.
• Larger places within 100 miles: 516.

Missouri rules behind a Longtown personal loan

Missouri has no separate rate rule for Longtown; the sourced rows below are what reach every lender that serves its 91 people.

Land, water and location for Longtown

Longtown's land area is roughly 0.1 square miles, and the Gazetteer records no significant water area within it. With 91 residents, the land area yields roughly 728 people per square mile. Kansas City, the largest place in Missouri, is about 277 miles from Longtown. A 50-mile radius around Longtown takes in 116 places that are larger. The 100-mile radius contains 516 larger places.

How lenders reach Longtown

At roughly 728 people per square mile, Longtown is moderately settled; 116 larger places lie within 50 miles. A Missouri licence lets a lender serve Longtown without a local office, so branch density does not change what its 91 residents are offered. The nearest larger city, Perryville, MO about 7 miles away.

The Longtown borrowing checklist

These steps shape the offer you get in Longtown, a place of about 91 people:

1. Pull your credit reports first and correct any error before a lender sees the file.
2. Test your amount and term in the personal loan calculator first.
3. Shop at least three lenders and judge them on APR and total cost.
4. Look the lender up in the Missouri regulator's licence records before you sign.
5. Check the disclosure for fees that raise the true cost above the quoted rate.
6. Check that the monthly payment fits your budget next to your existing obligations.
7. Weigh a shorter term's higher payment against the interest it saves.

None of these steps is Longtown-specific: the same Missouri licensing and disclosure rules reach all 91 residents.

Longtown against the rest of Missouri

Within Missouri, Longtown holds roughly 0.0% of all residents, the 810th-largest share among 937 places. Its 2020-to-2023 change ranks 655th of 937 Missouri places, putting it near the 30th percentile for growth. At about 728 people per square mile, Longtown is the 482nd most densely settled place in Missouri. In land area, Longtown ranks 874th among Missouri's 937 places.