Burlington Junction at a glance
- Population: 498 (US Census Bureau, Vintage 2023 subcounty estimate), the 472nd-largest of 937 places in Missouri.
- 2020 Census base: 521 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population fell about 4.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Missouri places: 472nd in population of 937 places (US Census Bureau).
- Size percentile: larger than about 50% of the Census places in Missouri (US Census Bureau).
- Coordinates: 40.4466 / -95.0667, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Maryville, MO (13 mi); Tarkio, MO (17 mi); Fairfax, MO (19 mi); Clarinda, IA (20 mi); Mound City, MO (23 mi) (US Census Bureau populations).
- Nearest smaller towns: Clearmont, MO (5 mi); Elmo, MO (6 mi); Braddyville, IA (9 mi) — US Census Bureau populations.
What a personal loan costs in Burlington Junction
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Missouri lending rules that apply in Burlington Junction
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Burlington Junction
Before you commit to a personal loan in Burlington Junction, work through these steps:
- 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.