Personal loans in Wheaton, MO
By population, Wheaton sits at 409th in Missouri, with an estimated 677 residents. Wheaton counts about 677 people, and what is genuinely local about borrowing here is limited — Missouri law does the governing.
Population in Wheaton climbed about 1.0% over the three years from 2020 to 2023. Verify the lender's Missouri licence against the regulator named below before borrowing in Wheaton. For the 677 people in Wheaton, Missouri runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. A larger market lies at Purdy, MO about 9 miles away.
Borrowing in Wheaton: the local picture
The figures below are Wheaton's own — Census population, land area and coordinates — followed by the Missouri rules.
- Population: a Census-estimated 677, 409th among Missouri's 937 places (Vintage 2023).
- Population trend: A rise of about 1.0% from 2020 to 2023.
- People gained or lost: about 7 more since the 2020 base.
- Size percentile: bigger than about 56% of the places in Missouri, with 677 residents in Wheaton.
- Population density: about 1,333 people per square mile across 0.5 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: Wheaton's 0.5 square miles rank 587th of 937 places in Missouri.
- State share: roughly 0.0% of Missouri's residents live in Wheaton (677 people).
- National standing: Wheaton ranks 11,939th of 19,457 US places.
- Growth rank: Wheaton ranks 362nd among Missouri's 937 places for the 2020-to-2023 change.
- Against the state trend: Wheaton's 1.0% change compares with a Missouri average of +0.8% across its 937 places.
- Density in Missouri: Wheaton ranks 172nd by people per square mile.
- Density in context: Wheaton's 1,333 people per square mile sit against a Missouri median of 743.
- Location: 36.7616, -94.0570 (Census Gazetteer coordinates).
- Nearest larger cities: Purdy (9 mi); Exeter (9 mi); Cassville (12 mi); Pierce City (13 mi); Monett (13 mi). Living near a larger metro rarely changes what is available in Wheaton.
- Smaller places nearby: Fairview (4 mi); Stella (7 mi); Butterfield (9 mi).
- Within a 50-mile radius: 63 smaller Census places.
- At 100 miles: 176 larger Census places fall inside that radius.
What shapes a Wheaton personal loan
Wheaton is a small community of about 677 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Wheaton lender to disclose the APR and finance charge before you sign. The term you choose in Wheaton decides the split between a comfortable payment and the total interest you pay.
What Missouri law requires in Wheaton
Read the table as a lender's compliance picture for Wheaton: the rule, the sourced figure, the publisher and the date.
| 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 |
Wheaton: area, density and distance
The Census Gazetteer records about 0.5 square miles of land within Wheaton, with no significant water area listed. The resulting density is about 1,333 people per square mile. For the state's biggest city, Kansas City, the distance is roughly 166 miles. Wheaton has 81 larger places within a 50-mile radius. Within the same 50 miles lie 63 smaller Census places.
Lender access in Wheaton
At roughly 1,333 people per square mile, Wheaton is moderately settled; 81 larger places lie within 50 miles. A Missouri licence lets a lender serve Wheaton without a local office, so branch density does not change what its 677 residents are offered. The nearest bigger place is Purdy, MO about 9 miles away.
How Wheaton compares across Missouri
Within Missouri, Wheaton holds roughly 0.0% of all residents, the 409th-largest share among 937 places. Its 2020-to-2023 change ranks 362nd of 937 Missouri places, putting it near the 61th percentile for growth. By density, at about 1,333 people per square mile, it ranks 172nd in Missouri. Within 50 miles sit 63 smaller Census places, alongside the 81 that are larger.
Common questions
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Nearby places
- Fairview, MO — population 426
- Stella, MO — population 168
- Purdy, MO — population 1,049
- Exeter, MO — population 749
- Butterfield, MO — population 391
- Stark City, MO — population 131
- Newtonia, MO — population 212
- Pierce City, MO — population 1,265