Tracy at a glance
- Population: 315 — 560th in Missouri, which has 937 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 268 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up roughly 17.5% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Missouri places: 560th-largest of 937 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 40% of places in Missouri are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.3775, -94.7912.
- Nearest larger cities: Platte City, MO (2 mi); Camden Point, MO (6 mi); Weston, MO (6 mi); Ferrelview, MO (8 mi); Leavenworth, KS (8 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Farley, MO (6 mi); Ridgely, MO (10 mi); Iatan, MO (12 mi) (Census populations).
What a personal loan costs in Tracy
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Missouri lending rules that apply in Tracy
The Missouri rate caps and licensing rules that reach Tracy are listed below, each with its source and retrieval date.
| 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 Tracy
Here is a short checklist for comparing personal loans in Tracy:
- 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.