Pleasant Valley at a glance
- Population: about 2,726, 198th by size in Missouri of 937 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 2,744 residents here (US Census Bureau).
- 2020 to 2023 change: about 0.7% lower than the 2020 Census base (US Census Bureau).
- Rank among Missouri places: 198th by size among 937 communities (US Census Bureau).
- Size percentile: it is larger than about 79% of the places in Missouri (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.2172, -94.4809.
- Nearest larger cities within 120 miles: Liberty, MO (4 mi); Gladstone, MO (4 mi); Sugar Creek, MO (7 mi); North Kansas City, MO (7 mi); Kansas City, MO (7 mi) (US Census Bureau).
- Nearest smaller communities: Claycomo, MO (1 mi); Glenaire, MO (2 mi); Birmingham, MO (4 mi) (Census populations).
What a personal loan costs in Pleasant Valley
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Missouri lending rules that apply in Pleasant Valley
The table lists the Missouri rules that apply to a loan made in Pleasant Valley, each with the regulator that published it.
| 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 Pleasant Valley
Before you commit to a personal loan in Pleasant Valley, 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.