Berger at a glance
- Population: roughly 259 people; 602nd of 937 places in Missouri (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 259 residents here (US Census Bureau).
- 2020 to 2023 change: about the same as at the 2020 Census (US Census Bureau).
- Rank among Missouri places: 602nd by size among 937 communities (US Census Bureau).
- Size percentile: about 36% of places in Missouri are smaller (US Census Bureau).
- Coordinates: latitude 38.6675, longitude -91.3411 (US Census Bureau Gazetteer).
- Nearest larger cities: Hermann, MO (5 mi); New Haven, MO (8 mi); Jonesburg, MO (13 mi); Warrenton, MO (15 mi); Marthasville, MO (15 mi), each a US Census place with its estimated population.
- Smaller places nearby: McKittrick, MO (8 mi); Rhineland, MO (10 mi); Gasconade, MO (12 mi), per US Census Bureau estimates.
What a personal loan costs in Berger
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Missouri lending rules that apply in Berger
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Berger
Before you share your details with a lender in Berger:
- 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.