Missouri City at a glance
- Population: 218 residents, the 644th-largest of 937 places in Missouri (US Census Bureau, Vintage 2023).
- 2020 Census base: 217 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 0.5% growth over the 2020 Census base (US Census Bureau).
- Rank among Missouri places: 644th-largest of 937 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 31% of Missouri's Census places by population (US Census Bureau).
- Coordinates: latitude 39.2383, longitude -94.3027 (US Census Bureau Gazetteer).
- Nearest larger cities: Liberty, MO (6 mi); Sibley, MO (7 mi); Excelsior Springs, MO (8 mi); Glenaire, MO (8 mi); Kearney, MO (9 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Mosby, MO (5 mi); Prathersville, MO (6 mi); River Bend, MO (6 mi) — US Census Bureau populations.
What a personal loan costs in Missouri 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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Missouri lending rules that apply in Missouri City
The sourced rows below are the rules a licensed lender must follow when lending in Missouri, and therefore in Missouri City.
| 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 Missouri City
A few practical steps will make the process in Missouri City less costly:
- 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.