Personal loans in Versailles, MO

A personal loan in Versailles is priced from your credit file and income, not from the fact that the city holds 2,639 people. The trend for Versailles between 2020 and 2023 is upward by roughly 4.0%.

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

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.

Roughly 2,639 residents live in Versailles, the 204th-largest community in Missouri. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Versailles loan. Lenders active in Versailles report to a Missouri supervisor, identified in the sourced rows below. A larger market lies at Eldon, MO about 16 miles away.

Where Versailles stands

Set out below is Versailles's local context next to the state-level rules that reach every lender here.

Inside a Versailles personal loan

In Versailles, a small community of about 2,639, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Because pricing is borrower-level, two people in Versailles can be quoted different APRs on the same amount and term. A longer term lowers the monthly payment on a Versailles loan but raises total interest, so the smallest payment is not the cheapest loan.

Where Versailles sits in Missouri

Against Missouri's other places, Versailles accounts for about 0.1% of the state's population and ranks 204th of 937 by size. Its 2020-to-2023 change ranks 139th of 937 Missouri places, putting it near the 85th percentile for growth. By density, at about 1,101 people per square mile, it ranks 251st in Missouri. Between 2020 and 2023 the count changed by roughly 102 residents.

Lender access in Versailles

At roughly 1,101 people per square mile, Versailles is moderately settled; 12 larger places lie within 50 miles. Whether Versailles has a local branch or not, a Missouri-licensed lender can serve its 2,639 people online on the same terms. The nearest bigger place is Eldon, MO about 16 miles away.

Versailles on the map

The Census Gazetteer records about 2.4 square miles of land within Versailles, with no significant water area listed. With 2,639 residents, the land area yields roughly 1,101 people per square mile. Kansas City, the largest place in Missouri, is about 103 miles from Versailles. Counting outward 50 miles, 12 larger communities surround Versailles. The 100-mile radius contains 73 larger places.

The state rulebook for Versailles

Missouri has no separate rate rule for Versailles; the sourced rows below are what reach every lender that serves its 2,639 people.

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 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 Versailles 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 Versailles is the same as anywhere in Missouri.
What loan size can I expect in Versailles?
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 Versailles?
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 Versailles 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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