Grand Falls Plaza at a glance
- Population: 105 (US Census Bureau, Vintage 2023 subcounty estimate), the 786th-largest of 937 places in Missouri.
- 2020 Census base: 103 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: an increase of about 1.9% since the 2020 count (US Census Bureau).
- Rank among Missouri places: 786th of 937 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 16% of places in Missouri rank below it by population (US Census Bureau).
- Coordinates: it sits at 37.0362, -94.5393 in the US Census Bureau Gazetteer.
- Nearest larger cities: Shoal Creek Drive, MO (1 mi); Redings Mill, MO (2 mi); Leawood, MO (2 mi); Shoal Creek Estates, MO (3 mi); Joplin, MO (3 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Cliff Village, MO (1 mi); Dennis Acres, MO (2 mi); Brooklyn Heights, MO (13 mi), each a US Census place.
What a personal loan costs in Grand Falls Plaza
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Missouri lending rules that apply in Grand Falls Plaza
The table carries the Missouri rate and licensing rules that apply to consumer loans made in Grand Falls Plaza.
| 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 Grand Falls Plaza
Before you commit to a personal loan in Grand Falls Plaza, 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.