Roscoe at a glance
- Population: about 95, 803rd by size in Missouri of 937 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 90 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 5.6% higher than at the 2020 Census (US Census Bureau).
- Rank among Missouri places: the 803rd-largest of 937 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 14% of places in Missouri rank below it by population (US Census Bureau).
- Coordinates: 37.9766, -93.8175 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Osceola, MO (8 mi); Collins, MO (12 mi); Lowry City, MO (12 mi); El Dorado Springs, MO (13 mi); Rockville, MO (16 mi) (US Census Bureau).
- Nearest smaller communities: Vista, MO (8 mi); Gerster, MO (13 mi); Harwood, MO (18 mi), each a US Census place.
What a personal loan costs in Roscoe
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Missouri lending rules that apply in Roscoe
The table lists the Missouri rules that apply to a loan made in Roscoe, each with the regulator that published it.
| 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 Roscoe
The order below is a sensible way to approach a loan in Roscoe:
- 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.