Carytown at a glance
- Population: 291 people, the 575th-largest place among Missouri's 937 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 290 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population rose about 0.3% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Missouri places: 575th out of 937 Census places (US Census Bureau).
- Size percentile: about 39% of Missouri's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 37.2615, -94.3345 by the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Alba, MO (5 mi); Jasper, MO (5 mi); Purcell, MO (6 mi); Carthage, MO (8 mi); Oronogo, MO (9 mi) (US Census Bureau).
- Nearest smaller places: Neck City, MO (6 mi); Brooklyn Heights, MO (7 mi); Avilla, MO (12 mi) (US Census Bureau estimates).
What a personal loan costs in Carytown
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Carytown
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Carytown
Before you share your details with a lender in Carytown:
- 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.