Personal loans in Perry, MO

Perry is a small community of about 684 residents, and a personal loan taken out here is governed by Missouri statute. Perry ranks 404th of 937 places in Missouri, with a population near 684.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

A larger market lies at Vandalia, MO about 13 miles away. Census figures put the 2020-to-2023 increase in Perry at about 2.5%. Lenders active in Perry report to a Missouri supervisor, identified in the sourced rows below. Use the calculator on this page to price an amount and term before you commit in Perry.

Perry by the numbers

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

Borrowing reach in Perry

At roughly 495 people per square mile, Perry is lightly settled; 33 larger places lie within 50 miles. Lenders licensed in Missouri reach Perry's 684 residents online, so the nearest branch is not what sets your APR. The nearest bigger place is Vandalia, MO about 13 miles away.

The geography behind Perry

Inside Perry's boundaries lie roughly 1.4 square miles of land and 0.04 square miles of water. Spread across it are roughly 495 residents per square mile. Kansas City, the largest place in Missouri, is about 156 miles from Perry. Counting outward 50 miles, 33 larger communities surround Perry. By land area it ranks 332nd of 937 Missouri places.

What a Perry borrower is actually offered

With roughly 684 residents, Perry is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Perry loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Perry loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

Which Missouri laws govern a loan in Perry

For the roughly 684 residents of Perry, the rules below are Missouri's own; each row carries its publisher and retrieval date.

RuleDetailSource
State lending regulatorMissouri 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 statusLegal 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 Perry compares across Missouri

Against Missouri's other places, Perry accounts for about 0.0% of the state's population and ranks 404th of 937 by size. On the 2020-to-2023 trend, Perry stands 215th among Missouri's 937 places — roughly the 77th percentile. By density, at about 495 people per square mile, it ranks 640th in Missouri. In land area, Perry ranks 332nd among Missouri's 937 places.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Perry if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Perry is the same as anywhere in Missouri.
What loan size can I expect in Perry?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Perry?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Perry cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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