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%.
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.
- Population: 2,639 people, a figure that places Versailles 204th among the 937 Census places in Missouri (US Census Bureau, Vintage 2023).
- Population trend: A rise of about 4.0% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 102 residents.
- Size percentile: about 78% of Missouri communities are smaller than Versailles (2,639 residents).
- Land and density: 2.4 square miles of land carry roughly 1,101 residents per square mile.
- By land area: Versailles ranks 241st among Missouri's 937 places, at 2.4 sq mi.
- State share: roughly 0.1% of Missouri's residents live in Versailles (2,639 people).
- National standing: Versailles ranks 6,679th of 19,457 US places.
- Growth rank: Versailles ranks 139th among Missouri's 937 places for the 2020-to-2023 change.
- Against the state trend: Versailles's 4.0% change compares with a Missouri average of +0.8% across its 937 places.
- Density in Missouri: Versailles ranks 251st by people per square mile.
- Density vs Missouri: Versailles's 1,101 people per square mile compare with a state median of 743.
- Location: coordinates 38.4334, -92.8460 (US Census Bureau Gazetteer).
- Nearest larger cities: Eldon (16 mi); California (20 mi); Osage Beach (23 mi); Sedalia (28 mi); Camdenton (29 mi). Living near a larger metro rarely changes what is available in Versailles.
- Smaller towns nearby: Stover (8 mi); Gravois Mills (9 mi); Barnett (10 mi).
- Smaller places within 50 miles: 70 of them.
- Within 100 miles: 73 places are larger than Versailles.
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.
| 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
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Nearby places
- Gravois Mills, MO — population 134
- Stover, MO — population 1,049
- Barnett, MO — population 164
- Laurie, MO — population 1,047
- Tipton, MO — population 2,637
- Syracuse, MO — population 159
- Village of Four Seasons, MO — population 2,496
- Sunrise Beach, MO — population 502