Personal loans in Morley, MO
Consumer lending that reaches Morley's 673 residents is governed by Missouri statute; no city ordinance changes it. By population, Morley sits at 410th in Missouri, with an estimated 673 residents.
The roughly 673 people who live in Morley borrow under Missouri rules; city hall sets no personal-loan rate. Census figures put the 2020-to-2023 increase in Morley at about 6.5%. If debt is already a strain, a nonprofit credit counsellor can help Morley residents before they take on more. Borrowers who want a bigger city can look to Oran, MO about 4 miles away.
Where Morley stands
Most of what governs a Morley loan is written in Missouri law rather than in the city; the sourced notes below make that split concrete.
- Population: 673 people, a figure that places Morley 410th among the 937 Census places in Missouri (US Census Bureau, Vintage 2023).
- Population trend: Higher by roughly 6.5% since the 2020 count.
- People gained or lost: about 41 more since the 2020 base.
- Size percentile: with 673 residents, Morley is larger than about 56% of Missouri's Census places.
- Density: roughly 840 residents per square mile, spread over 0.8 sq mi of land.
- Land area: Morley covers 0.8 square miles, the 475th-largest area among Missouri's 937 places.
- Within Missouri: about 0.0% of the state's population lives in Morley.
- National rank: Morley is 11,970th of 19,457 places nationwide.
- Growth in Missouri: Morley stands 58th by percentage change from 2020 to 2023, among 937 places.
- Versus Missouri: the state average change is +0.8%, while Morley moved 6.5%.
- Density rank: Morley is the 407th most densely settled place in Missouri.
- Density vs Missouri: Morley's 840 people per square mile compare with a state median of 743.
- Location: it lies at 37.0433, -89.6122 in the Census Gazetteer.
- Nearest larger cities: Oran (4 mi); Benton (5 mi); Chaffee (10 mi); Miner (10 mi); Sikeston (11 mi). For most borrowers the comparison happens online, not at a branch.
- Smaller communities within reach: Haywood City (2 mi); Blodgett (5 mi); Vanduser (5 mi).
- Smaller places within 50 miles: 69 of them.
- At 100 miles: 179 larger Census places fall inside that radius.
Morley on the map
Morley's land area is roughly 0.8 square miles, and the Gazetteer records no significant water area within it. The resulting density is about 840 people per square mile. Kansas City, the largest place in Missouri, is about 305 miles from Morley. A 50-mile radius around Morley takes in 38 places that are larger. The 100-mile radius contains 179 larger places.
How lenders reach Morley
With about 840 residents per square mile, Morley is moderately settled, and 38 larger Census places sit within 50 miles. Lenders licensed in Missouri reach Morley's 673 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Oran, MO about 4 miles away.
Before you apply in Morley
For Morley's roughly 673 residents, these are the steps that most influence the offer:
- Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
- Test your amount and term in the personal loan calculator first.
- Gather at least three pre-qualified offers and line up the APR, not the headline rate.
- Verify the lender's Missouri licence with the regulator listed on this page.
- Weigh a shorter term's higher payment against the interest it saves.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
- Write down the purpose of the loan and your repayment plan before you apply.
In Morley as elsewhere in Missouri, the written terms — not the advertisement — are what count for its 673 residents.
Where Morley sits in Missouri
Among Missouri's 937 places, Morley sits at 410th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Morley stands 58th among Missouri's 937 places — roughly the 94th percentile. At about 840 people per square mile, Morley is the 407th most densely settled place in Missouri. Between 2020 and 2023 the count changed by roughly 41 residents.
What Missouri law requires in Morley
The rows below set out what a licensed lender must follow in Missouri, and so for Morley's roughly 673 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 |
Common questions
What are my options in Morley if my credit is poor?
What loan size can I expect in Morley?
Do I have to pledge anything to borrow in Morley?
Does comparing loans in Morley cost me credit score points?
Nearby places
- Haywood City, MO — population 135
- Oran, MO — population 1,205
- Benton, MO — population 908
- Vanduser, MO — population 185
- Blodgett, MO — population 206
- Chaffee, MO — population 3,025
- Miner, MO — population 900
- Kelso, MO — population 551