Rockville at a glance
- Population: 140 residents, the 739th-largest of 937 places in Missouri (US Census Bureau, Vintage 2023).
- 2020 Census base: 138 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: population rose about 1.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Missouri places: the 739th-largest of 937 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 21% of the places in Missouri (US Census Bureau).
- Coordinates: 38.0725 / -94.0804, per the US Census Bureau Gazetteer.
- Nearest larger cities: Schell City, MO (4 mi); Appleton City, MO (9 mi); Montrose, MO (14 mi); El Dorado Springs, MO (14 mi); Walker, MO (15 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Harwood, MO (9 mi); Roscoe, MO (16 mi); Metz, MO (20 mi) — US Census Bureau populations.
What a personal loan costs in Rockville
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Rockville
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 Rockville
A few practical steps will make the process in Rockville 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.