Nixa at a glance
- Population: 25,405 residents, the 28th-largest of 937 places in Missouri (US Census Bureau, Vintage 2023).
- 2020 Census base: 23,262 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a gain of roughly 9.2% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 28th of 937 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 97% of Missouri's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 37.0451, -93.2959 in the US Census Bureau Gazetteer.
- Nearest larger cities: Springfield, MO (10 mi); Joplin, MO (66 mi); Bella Vista, AR (67 mi); Rogers, AR (69 mi); Bentonville, AR (71 mi); US Census Bureau population estimates.
- Nearest smaller places: Fremont Hills, MO (3 mi); Ozark, MO (4 mi); Battlefield, MO (6 mi) (US Census Bureau estimates).
What a personal loan costs in Nixa
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total 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.
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 Nixa
Each row below is a Missouri rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Nixa
The steps below are worth completing first when you borrow in Nixa:
- 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.