Personal loans in Wardell, MO

A larger market lies at Gideon, MO about 8 miles away. Population in Wardell dropped about 7.7% over the three years from 2020 to 2023. State law, not city hall, decides what a lender may do to Wardell's roughly 286 residents, and a state regulator supervises it. Use the calculator on this page to price an amount and term before you commit in Wardell.

What the Census records for Wardell

Two layers matter for a Wardell borrower: the local population picture and Missouri's consumer-lending statutes.

• Population: 286 — Wardell ranks 580th of 937 communities in Missouri (US Census Bureau, Vintage 2023).
• Population trend: A drop of about 7.7% from 2020 to 2023.
• Absolute change: 24 residents lost between 2020 and 2023.
• Size percentile: roughly 38% of Missouri places rank below Wardell.
• Population density: about 1,014 people per square mile (Census land area 0.3 sq mi).
• By land area: Wardell ranks 721st among Missouri's 937 places, at 0.3 sq mi.
• State population share: Wardell accounts for about 0.0% of everyone in Missouri.
• National rank: Wardell sits 15,283rd by population among the 19,457 places in this dataset.
• Growth rank: Wardell ranks 933rd among Missouri's 937 places for the 2020-to-2023 change.
• Versus Missouri: the state average change is +0.8%, while Wardell moved 7.7%.
• Density rank: Wardell places 296th among Missouri's places by people per square mile.
• Density in context: Wardell's 1,014 people per square mile sit against a Missouri median of 743.
• Location: it lies at 36.3538, -89.8153 in the Census Gazetteer.
• Nearest larger cities: Gideon (8 mi); Portageville (8 mi); Hayti Heights (9 mi); Hayti (9 mi); Clarkton (11 mi). A branch is convenient; it is not what sets your APR.
• Nearest smaller towns: Homestown (2 mi); Pascola (6 mi); Bragg City (8 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 34 smaller Census places.
• Larger places within 100 miles: 238.

How lenders reach Wardell

With about 1,014 residents per square mile, Wardell is moderately settled, and 75 larger Census places sit within 50 miles. What is available to Wardell's 286 borrowers is set by Missouri licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Gideon, MO about 8 miles away.

Wardell: area, density and distance

Wardell's land area is roughly 0.3 square miles, and the Gazetteer records no significant water area within it. With 286 residents, the land area yields roughly 1,014 people per square mile. The state's population centre of gravity, Kansas City, is roughly 322 miles away. Wardell has 75 larger places within a 50-mile radius. The 100-mile radius contains 238 larger places.

Which Missouri laws govern a loan in Wardell

The rows below set out what a licensed lender must follow in Missouri, and so for Wardell's roughly 286 residents.

Wardell against the rest of Missouri

Against Missouri's other places, Wardell accounts for about 0.0% of the state's population and ranks 580th of 937 by size. On the 2020-to-2023 trend, Wardell stands 933rd among Missouri's 937 places — roughly the 0th percentile. Its roughly 1,014 residents per square mile place it 296th among Missouri's places. By land area, its 0.3 square miles rank 721st of 937 places in Missouri.

A pre-application checklist for Wardell

Complete these steps first when you borrow in Wardell (286 residents):

1. Order your free credit reports and dispute anything inaccurate — it is the cheapest way to move the rate you are offered.
2. Model the payment on the calculator before a lender models it for you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Check the Missouri regulator's records to confirm the lender is licensed here.
5. If the balances are already a strain, seek nonprofit credit counselling before adding a loan.
6. Look for an origination fee or prepayment penalty in the written disclosure.
7. Check that the monthly payment fits your budget next to your existing obligations.

In Wardell as elsewhere in Missouri, the written terms — not the advertisement — are what count for its 286 residents.