Farber at a glance
- Population: a Census-estimated 255, placing it 607th among Missouri's 937 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 255 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: no meaningful change since the 2020 count (US Census Bureau).
- Rank among Missouri places: 607th-largest of 937 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: ahead of around 35% of Missouri places in population terms (US Census Bureau).
- Coordinates: latitude 39.2742, longitude -91.5767 (US Census Bureau Gazetteer).
- Nearest larger cities: Laddonia, MO (4 mi); Vandalia, MO (5 mi); Perry, MO (12 mi); Martinsburg, MO (13 mi); Wellsville, MO (14 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Rush Hill, MO (9 mi); Middletown, MO (13 mi); Curryville, MO (14 mi) (US Census Bureau).
What a personal loan costs in Farber
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.
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.
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 Farber
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 Farber
Before you commit to a personal loan in Farber, 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.