Personal loans in Pine Lawn, MO
Consumer lending that reaches Pine Lawn's 2,683 residents is governed by Missouri statute; no city ordinance changes it.
Pine Lawn is a small community in Missouri, with an estimated 2,683 residents, and every licensed lender here follows the same state rulebook. Pine Lawn ranks 200th of 937 places in Missouri, with a population near 2,683. Pine Lawn shed about 2.8% of its population between the 2020 base and the 2023 estimate. Decide the purpose of the loan and your repayment plan before sharing any details with a Pine Lawn lender. The nearest larger metro is Northwoods, MO about 1 miles away.
Pine Lawn: the sourced local profile
Pine Lawn is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: an estimated 2,683 residents, 200th of 937 places in Missouri (Census Vintage 2023 subcounty estimate).
- Population trend: A loss of roughly 2.8% between 2020 and 2023.
- Net change: roughly 78 fewer people than the 2020 Census counted.
- Size percentile: bigger than about 79% of the places in Missouri, with 2,683 residents in Pine Lawn.
- Land and density: 0.6 square miles of land carry roughly 4,334 residents per square mile.
- Land area rank: Pine Lawn's 0.6 square miles rank 532nd of 937 places in Missouri.
- State share: roughly 0.1% of Missouri's residents live in Pine Lawn (2,683 people).
- National rank: Pine Lawn is 6,632nd of 19,457 places nationwide.
- Growth in Missouri: Pine Lawn stands 840th by percentage change from 2020 to 2023, among 937 places.
- State comparison: Missouri's places average +0.8% for 2020-to-2023, against Pine Lawn's 2.8%.
- Density rank: Pine Lawn is the 28th most densely settled place in Missouri.
- Density vs Missouri: Pine Lawn's 4,334 people per square mile compare with a state median of 743.
- Location: latitude 38.6953, longitude -90.2756 (Census Gazetteer).
- Nearest larger cities: Northwoods (1 mi); Normandy (2 mi); Jennings (2 mi); University City (4 mi); Ferguson (4 mi). Lenders licensed in the state serve Pine Lawn whether or not they keep a local branch.
- Nearest smaller places: Uplands Park (0 mi); Velda Village Hills (1 mi); Beverly Hills (1 mi).
- Smaller places within 50 miles: 155 of them.
- Larger places within 100 miles: 167.
The state rulebook for Pine Lawn
Below are the Missouri rules that apply to a loan made in Pine Lawn, each with the regulator that issued it.
| 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 |
| 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 status | Legal 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 |
Borrowing reach in Pine Lawn
At roughly 4,334 people per square mile, Pine Lawn is fairly dense; 110 larger places lie within 50 miles. A Missouri licence lets a lender serve Pine Lawn without a local office, so branch density does not change what its 2,683 residents are offered. The nearest bigger place is Northwoods, MO about 1 miles away.
Pine Lawn in state context
Among Missouri's 937 places, Pine Lawn sits at 200th for population, a share of roughly 0.1% of the state. Its 2020-to-2023 change ranks 840th of 937 Missouri places, putting it near the 10th percentile for growth. Its roughly 4,334 residents per square mile place it 28th among Missouri's places. Within 50 miles sit 155 smaller Census places, alongside the 110 that are larger.
The Pine Lawn borrowing checklist
These steps shape the offer you get in Pine Lawn, a place of about 2,683 people:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Shop at least three lenders and judge them on APR and total cost.
- Confirm the Missouri licence with the regulator named above before committing.
- Be clear on what the loan is for and how it gets repaid.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Look for an origination fee or prepayment penalty in the written disclosure.
In Pine Lawn as elsewhere in Missouri, the written terms — not the advertisement — are what count for its 2,683 residents.
Pine Lawn on the map
The Census Gazetteer records about 0.6 square miles of land within Pine Lawn, with no significant water area listed. The resulting density is about 4,334 people per square mile. For the state's biggest city, Kansas City, the distance is roughly 232 miles. A 50-mile radius around Pine Lawn takes in 110 places that are larger. By land area it ranks 532nd of 937 Missouri places.
Common questions
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Nearby places
- Uplands Park, MO — population 304
- Northwoods, MO — population 3,583
- Velda Village Hills, MO — population 849
- Beverly Hills, MO — population 458
- Hillsdale, MO — population 1,181
- Velda City, MO — population 1,245
- Pasadena Hills, MO — population 883
- Glen Echo Park, MO — population 114