Rockaway Beach at a glance
- Population: a Census-estimated 827, placing it 369th among Missouri's 937 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 848 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 2.5% since the 2020 count (US Census Bureau).
- Rank among Missouri places: 369th of 937 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 61% of Missouri's Census places by population (US Census Bureau).
- Coordinates: 36.7030, -93.1582 (US Census Bureau Gazetteer).
- Nearest larger cities: Merriam Woods, MO (2 mi); Forsyth, MO (3 mi); Hollister, MO (8 mi); Branson, MO (10 mi); Reeds Spring, MO (13 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Bull Creek, MO (3 mi); Kirbyville, MO (5 mi); Taneyville, MO (7 mi), per US Census Bureau estimates.
What a personal loan costs in Rockaway Beach
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Missouri lending rules that apply in Rockaway Beach
Read the table as the compliance picture for a lender serving Rockaway Beach: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Rockaway Beach
The steps below are worth completing first when you borrow in Rockaway Beach:
- 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.