Bland at a glance
- Population: 504, the 468th-largest community in Missouri out of 937 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 509 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 1.0% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Missouri places: 468th by size among 937 communities (US Census Bureau).
- Size percentile: ahead of around 50% of Missouri places in population terms (US Census Bureau).
- Coordinates: it sits at 38.3004, -91.6331 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Belle, MO (5 mi); Owensville, MO (8 mi); Linn, MO (17 mi); Gerald, MO (18 mi); Vienna, MO (19 mi) (US Census Bureau).
- Nearest smaller communities: Rosebud, MO (14 mi); Freeburg, MO (16 mi); Argyle, MO (21 mi), each a US Census place.
What a personal loan costs in Bland
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Missouri lending rules that apply in Bland
The table lists the Missouri rules that apply to a loan made in Bland, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Bland
These steps are the ones that most affect the offer you receive in Bland:
- 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.