North Lilbourn at a glance
- Population: 21, the 921st-largest community in Missouri out of 937 (US Census Bureau, Vintage 2023).
- 2020 Census base: 22 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a decline of roughly 4.5% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 921st of the state's 937 Census places (US Census Bureau).
- Size percentile: roughly 2% of Missouri's places have fewer residents (US Census Bureau).
- Coordinates: 36.6018 / -89.6220, per the US Census Bureau Gazetteer.
- Nearest larger cities: Lilbourn, MO (1 mi); Howardville, MO (3 mi); New Madrid, MO (4 mi); Catron, MO (5 mi); Marston, MO (6 mi) — straight-line distances, US Census Bureau populations.
- Smaller places close by: Victoria, AR (63 mi) (US Census Bureau).
What a personal loan costs in North Lilbourn
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Missouri lending rules that apply in North Lilbourn
The table carries the Missouri rate and licensing rules that apply to consumer loans made in North Lilbourn.
| 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 North Lilbourn
The steps below are worth completing first when you borrow in North Lilbourn:
- 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.