South Greenfield at a glance
- Population: the Census estimates 121 residents, ranking 766th of 937 places in Missouri (Vintage 2023).
- 2020 Census base: 119 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up about 1.7% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 766th out of 937 Census places (US Census Bureau).
- Size percentile: ahead of around 18% of Missouri places in population terms (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.3761, -93.8409.
- Nearest larger cities: Greenfield, MO (3 mi); Lockwood, MO (7 mi); Everton, MO (8 mi); Miller, MO (11 mi); Dadeville, MO (12 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: Arcola, MO (12 mi); Halltown, MO (17 mi); Umber View Heights, MO (17 mi) (US Census Bureau).
What a personal loan costs in South Greenfield
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Missouri lending rules that apply in South Greenfield
The Missouri rate caps and licensing rules that reach South Greenfield are listed below, each with its source and retrieval date.
| 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 South Greenfield
Before you share your details with a lender in South Greenfield:
- 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.