St. Robert at a glance
- Population: 5,457 (US Census Bureau, Vintage 2023 subcounty estimate), the 125th-largest of 937 places in Missouri.
- 2020 Census base: 5,240 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: an increase of about 4.1% since the 2020 count (US Census Bureau).
- Rank among Missouri places: 125th of 937 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 87% of Missouri's places have fewer residents (US Census Bureau).
- Coordinates: 37.8253, -92.1520 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Rolla, MO (23 mi); Lebanon, MO (30 mi); Jefferson City, MO (51 mi); Marshfield, MO (53 mi); Sullivan, MO (60 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Waynesville, MO (4 mi); Crocker, MO (11 mi); Dixon, MO (12 mi) (US Census Bureau estimates).
What a personal loan costs in St. Robert
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Missouri lending rules that apply in St. Robert
Each row below is a Missouri rule with its publisher and the date it was retrieved.
| 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 St. Robert
The order below is a sensible way to approach a loan in St. Robert:
- 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.