Gladstone at a glance
- Population: 27,329 (US Census Bureau, Vintage 2023 subcounty estimate), the 25th-largest of 937 places in Missouri.
- 2020 Census base: the 2020 count put the population at 27,068 (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 1.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 25th of 937 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 97% of places in Missouri rank below it by population (US Census Bureau).
- Coordinates: 39.2130 latitude, -94.5590 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Kansas City, MO (6 mi); Liberty, MO (8 mi); Kansas City, KS (12 mi); Independence, MO (14 mi); Raytown, MO (16 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Oakview, MO (1 mi); Oakwood Park, MO (1 mi); Oakwood, MO (1 mi) — US Census Bureau populations.
What a personal loan costs in Gladstone
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Missouri lending rules that apply in Gladstone
The sourced rows below are the rules a licensed lender must follow when lending in Missouri, and therefore in Gladstone.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Gladstone
Here is a short checklist for comparing personal loans in Gladstone:
- 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.