Personal loans in Town and Country, MO
When Missouri caps or restricts a product, lenders either change the terms or withdraw it from Town and Country as from the rest of the state.
A personal loan in Town and Country is priced from your credit file and income, not from the fact that the city holds 11,553 people. Roughly 11,553 residents live in Town and Country, the 69th-largest community in Missouri. Town and Country lost roughly 0.8% of its population across the 2020-to-2023 comparison. Use the calculator on this page to price an amount and term before you commit in Town and Country. Borrowers who want a bigger city can look to Creve Coeur, MO about 3 miles away.
Town and Country: the sourced local profile
Town and Country is a small town; the notes below cover its population profile and the statewide rules that apply.
- Population: about 11,553, ranked 69th of 937 places in Missouri (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is negative, near 0.8%.
- Change in people: the 2020-to-2023 comparison is a loss of about 91 residents.
- Size percentile: about 93% of Missouri's Census places are smaller than Town and Country.
- Land and density: 11.5 square miles of land carry roughly 1,005 residents per square mile.
- Land area rank: Town and Country's 11.5 square miles rank 49th of 937 places in Missouri.
- Water area: Town and Country has 0.04 square miles of water, ranking 138th of 937 places in Missouri.
- Share of Missouri: Town and Country holds about 0.3% of the state's population, some 11,553 people.
- National rank: Town and Country sits 2,836th by population among the 19,457 places in this dataset.
- Growth rank: Town and Country's 2020-to-2023 change ranks 612th of 937 places in Missouri.
- Against the state trend: Town and Country's 0.8% change compares with a Missouri average of +0.8% across its 937 places.
- Density in Missouri: Town and Country ranks 308th by people per square mile.
- Density vs Missouri: Town and Country's 1,005 people per square mile compare with a state median of 743.
- Location: it lies at 38.6306, -90.4772 in the Census Gazetteer.
- Nearest larger cities: Creve Coeur (3 mi); Manchester (4 mi); Ballwin (5 mi); Kirkwood (5 mi); Chesterfield (6 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places nearby: Country Life Acres (1 mi); Crystal Lake Park (3 mi); Westwood (3 mi).
- Smaller places within 50 miles: 215 of them.
- Larger places within 100 miles: 56.
What a Town and Country borrower is actually offered
Town and Country is a small town of about 11,553 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Town and Country can be quoted different APRs on the same amount and term. The term you choose in Town and Country decides the split between a comfortable payment and the total interest you pay.
How lenders reach Town and Country
At roughly 1,005 people per square mile, Town and Country is moderately settled; 43 larger places lie within 50 miles. Distance to a branch rarely matters for Town and Country's 11,553 residents: the application is online and the price follows your credit file. The nearest larger city, Creve Coeur, MO about 3 miles away.
Town and Country's place among Missouri's 937 places
Town and Country is the 69th-largest of 937 Census places in Missouri and contains about 0.3% of the state's people. On the 2020-to-2023 trend, Town and Country stands 612th among Missouri's 937 places — roughly the 35th percentile. At about 1,005 people per square mile, Town and Country is the 308th most densely settled place in Missouri. Within 50 miles sit 215 smaller Census places, alongside the 43 that are larger.
Town and Country on the map
Town and Country's land area is about 11.5 square miles; a further 0.04 square miles is water. The resulting density is about 1,005 people per square mile. For the state's biggest city, Kansas City, the distance is roughly 222 miles. A 50-mile radius around Town and Country takes in 43 places that are larger. By land area it ranks 49th of 937 Missouri places.
The state rulebook for Town and Country
Every row below records a Missouri rule, its publisher and its retrieval date — the same rules a Town and Country lender must follow.
| 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 |
Common questions
What are my options in Town and Country if my credit is poor?
What loan size can I expect in Town and Country?
Do I have to pledge anything to borrow in Town and Country?
Does comparing loans in Town and Country cost me credit score points?
Nearby places
- Country Life Acres, MO — population 71
- Des Peres, MO — population 9,099
- Westwood, MO — population 308
- Crystal Lake Park, MO — population 502
- Creve Coeur, MO — population 18,457
- Manchester, MO — population 18,012
- Frontenac, MO — population 3,727
- Winchester, MO — population 1,403