Bragg City at a glance
- Population: a Census-estimated 63, placing it 854th among Missouri's 937 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 68 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population fell about 7.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Missouri places: 854th by size among 937 communities (US Census Bureau).
- Size percentile: roughly 9% of places in Missouri rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 36.2681, -89.9113.
- Nearest larger cities: Pascola, MO (5 mi); Homestown, MO (7 mi); Kennett, MO (8 mi); Wardell, MO (8 mi); Hayti Heights, MO (8 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Rives, MO (13 mi); Catron, MO (26 mi); North Lilbourn, MO (28 mi) (US Census Bureau).
What a personal loan costs in Bragg City
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the 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.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Missouri lending rules that apply in Bragg City
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Bragg City
The order below is a sensible way to approach a loan in Bragg City:
- 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.