Personal loans in Troy, MO

State law, not city hall, decides what a lender may do to Troy's roughly 14,591 residents, and a state regulator supervises it. An estimated 14,591 people make their home in Troy, a figure that ranks 54th in Missouri. Rate-shopping from Troy costs nothing at pre-qualification, where a soft pull leaves your credit file alone. Census figures put the 2020-to-2023 increase in Troy at about 15.1%. The closest larger place is Wentzville, MO about 12 miles away.

Troy: population, trend and location

What follows is Troy's place in the Census record, alongside the Missouri rules that govern a personal loan made here.

• Population: the Census counts 14,591 residents in Troy (Vintage 2023 subcounty estimate), the 54th-largest figure among Missouri's 937 places.
• Population trend: Roughly 15.1% more residents than the 2020 Census counted.
• Net change: roughly 1,910 more people than the 2020 Census counted.
• Size percentile: Troy's 14,591 people outrank roughly 94% of the places in Missouri.
• Density: roughly 1,890 residents per square mile, spread over 7.7 sq mi of land.
• By land area: Troy ranks 86th among Missouri's 937 places, at 7.7 sq mi.
• Water area: Troy has 0.04 square miles of water, ranking 127th of 937 places in Missouri.
• State population share: Troy accounts for about 0.4% of everyone in Missouri.
• National standing: Troy ranks 2,403rd of 19,457 US places.
• Growth in Missouri: Troy stands 11th by percentage change from 2020 to 2023, among 937 places.
• Versus Missouri: the state average change is +0.8%, while Troy moved 15.1%.
• Density in Missouri: Troy ranks 96th by people per square mile.
• Density in context: Troy's 1,890 people per square mile sit against a Missouri median of 743.
• Location: 38.9700 / -90.9675, per the US Census Bureau Gazetteer.
• Nearest larger cities: Wentzville (12 mi); Lake St. Louis (16 mi); O'Fallon (18 mi); St. Peters (23 mi); St. Charles (27 mi). Living near a larger metro rarely changes what is available in Troy.
• Nearest smaller towns: Moscow Mills (3 mi); Fountain N' Lakes (6 mi); Hawk Point (9 mi).
• Smaller neighbours: 191 places smaller than Troy sit within 50 miles.
• Larger places within 100 miles: 41.

The Missouri lending rules that reach Troy

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

Land, water and location for Troy

Troy covers about 7.7 square miles of land, with 0.04 square miles of water inside its boundaries (Census Gazetteer). With 14,591 residents, the land area yields roughly 1,890 people per square mile. The state's population centre of gravity, Kansas City, is roughly 193 miles away. A 50-mile radius around Troy takes in 25 places that are larger. Within the same 50 miles lie 191 smaller Census places.

Where Troy sits in Missouri

Set beside Missouri's 937 places, Troy ranks 54th by population and holds about 0.4% of the state total. For population change between 2020 and 2023, Troy ranks 11th of 937 in Missouri (about the 99th percentile). By density, at about 1,890 people per square mile, it ranks 96th in Missouri. In land area, Troy ranks 86th among Missouri's 937 places.

What shapes a Troy personal loan

In Troy, a small town of about 14,591, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. The APR tracks your credit score rather than Troy's rank of 54th in Missouri: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Troy loan raises the monthly payment but cuts the interest; lengthening it does the reverse.

How lenders reach Troy

With about 1,890 residents per square mile, Troy is moderately settled, and 25 larger Census places sit within 50 miles. A Missouri licence lets a lender serve Troy without a local office, so branch density does not change what its 14,591 residents are offered. The nearest bigger place is Wentzville, MO about 12 miles away.