Bella Villa at a glance
- Population: a Census-estimated 731, placing it 393rd among Missouri's 937 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 753 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a loss of about 2.9% since the 2020 count (US Census Bureau).
- Rank among Missouri places: 393rd out of 937 Census places (US Census Bureau).
- Size percentile: ahead of around 58% of Missouri places in population terms (US Census Bureau).
- Coordinates: mapped at 38.5436, -90.2854 by the US Census Bureau Gazetteer.
- Nearest larger cities: Lakeshire, MO (3 mi); Green Park, MO (3 mi); Marlborough, MO (3 mi); Grantwood Village, MO (4 mi); Shrewsbury, MO (4 mi); US Census Bureau population estimates.
- Nearest smaller towns: Wilbur Park, MO (1 mi); East Carondelet, IL (2 mi); Sauget, IL (8 mi) (US Census Bureau).
What a personal loan costs in Bella Villa
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Missouri lending rules that apply in Bella Villa
The Missouri rate caps and licensing rules that reach Bella Villa are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| Additional loan fee cap (30+ day loans) | Up to 10% of principal, capped at $100 (RSMo § 408.140) Source says: "a fee, not to exceed ten percent of the principal amount loaned not to exceed one hundred dollars may be charged by the lender" | Missouri Revisor of Statutes 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 |
| Small-loan / installment lender licensing | Consumer credit lenders licensed and regulated by the Division of Finance's consumer credit section (Chapters 367 and 408, RSMo) Source says: "The consumer credit section of the Missouri Division of Finance is responsible for licensing and regulating various types of consumer finance companies" | Missouri Division of Finance as of 2026-09-16 |
| 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 |
How to compare offers in Bella Villa
These steps are the ones that most affect the offer you receive in Bella Villa:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Missouri using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.