Personal loans in Madison, MO

With 520 residents, Madison outranks about 51% of the communities in Missouri. Rate-shopping from Madison costs nothing at pre-qualification, where a soft pull leaves your credit file alone. From the 2020 Census base to the 2023 estimate, the population rose by about 0.4%. The nearest larger city is Paris, MO about 11 miles away.

Madison: population, trend and location

The figures below are Madison's own — Census population, land area and coordinates — followed by the Missouri rules.

• Population: about 520 people live here, which puts Madison 458th of 937 Census places in Missouri (Vintage 2023).
• Population trend: Roughly 0.4% more residents than the 2020 Census counted.
• Net change: roughly 2 more people than the 2020 Census counted.
• Size percentile: about 51% of Missouri's Census places are smaller than Madison.
• Land and density: 0.4 square miles of land carry roughly 1,161 residents per square mile.
• By land area: Madison ranks 608th among Missouri's 937 places, at 0.4 sq mi.
• Within Missouri: about 0.0% of the state's population lives in Madison.
• National rank: Madison sits 13,003rd by population among the 19,457 places in this dataset.
• Growth in Missouri: Madison stands 428th by percentage change from 2020 to 2023, among 937 places.
• Versus Missouri: the state average change is +0.8%, while Madison moved 0.4%.
• Density rank: Madison places 234th among Missouri's places by people per square mile.
• Against the state median: Madison runs about 1,161 residents per square mile, where the Missouri median is 743.
• Location: the Census Gazetteer records it at 39.4755, -92.2138.
• Nearest larger cities: Paris (11 mi); Moberly (13 mi); Sturgeon (17 mi); Shelbina (18 mi); Huntsville (18 mi). Online lenders reach Madison no matter how far the nearest branch is.
• Smaller places nearby: Holliday (4 mi); Cairo (12 mi); Renick (14 mi).
• Smaller places within 50 miles: 56 of them.
• At 100 miles: 166 larger Census places fall inside that radius.

What shapes a Madison personal loan

A Madison personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 520 residents. The APR tracks your credit score rather than Madison's rank of 458th in Missouri: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. A longer term lowers the monthly payment on a Madison loan but raises total interest, so the smallest payment is not the cheapest loan.

How lenders reach Madison

Madison is a moderately settled community of about 520 people, with 34 larger places inside a 50-mile radius. What is available to Madison's 520 borrowers is set by Missouri licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Paris, MO about 11 miles away.

Before you apply in Madison

For Madison's roughly 520 residents, these are the steps that most influence the offer:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Run the numbers on the personal loan calculator so you know the payment before you apply.
3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
4. Confirm the lender holds a Missouri licence by checking the regulator named above.
5. Be clear on what the loan is for and how it gets repaid.
6. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
7. Check the disclosure for fees that raise the true cost above the quoted rate.

In Madison as elsewhere in Missouri, the written terms — not the advertisement — are what count for its 520 residents.

The state rulebook for Madison

Every row below records a Missouri rule, its publisher and its retrieval date — the same rules a Madison lender must follow.

Land, water and location for Madison

The Census Gazetteer records about 0.4 square miles of land within Madison, with no significant water area listed. With 520 residents, the land area yields roughly 1,161 people per square mile. For the state's biggest city, Kansas City, the distance is roughly 127 miles. Counting outward 50 miles, 34 larger communities surround Madison. By land area it ranks 608th of 937 Missouri places.