Hallsville at a glance
- Population: about 1,732, 262nd by size in Missouri of 937 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 1,612 (US Census Bureau).
- 2020 to 2023 change: up roughly 7.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Missouri places: 262nd by size among 937 communities (US Census Bureau).
- Size percentile: about 72% of Missouri's Census places are smaller (US Census Bureau).
- Coordinates: 39.1194, -92.2268 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Centralia, MO (8 mi); Columbia, MO (13 mi); Mexico, MO (19 mi); Ashland, MO (21 mi); Moberly, MO (23 mi), each a US Census place with its estimated population.
- Smaller places close by: Sturgeon, MO (8 mi); Harrisburg, MO (13 mi); Clark, MO (13 mi) (US Census Bureau).
What a personal loan costs in Hallsville
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Hallsville
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Hallsville
Before you commit to a personal loan in Hallsville, 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.