Lowry City at a glance
- Population: 646, the 418th-largest community in Missouri out of 937 (US Census Bureau, Vintage 2023).
- 2020 Census base: 612 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 5.6% more residents than the 2020 Census base (US Census Bureau).
- Rank among Missouri places: 418th out of 937 Census places (US Census Bureau).
- Size percentile: roughly 55% of places in Missouri rank below it by population (US Census Bureau).
- Coordinates: mapped at 38.1400, -93.7268 by the US Census Bureau Gazetteer.
- Nearest larger cities: Osceola, MO (7 mi); Clinton, MO (16 mi); Appleton City, MO (17 mi); Warsaw, MO (21 mi); El Dorado Springs, MO (25 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Brownington, MO (7 mi); Deepwater, MO (9 mi); Vista, MO (11 mi) (Census populations).
What a personal loan costs in Lowry City
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Lowry City
The sourced rows below are the rules a licensed lender must follow when lending in Missouri, and therefore in Lowry City.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Lowry City
The steps below are worth completing first when you borrow in Lowry City:
- 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.