Winston at a glance
- Population: roughly 235 people; 623rd of 937 places in Missouri (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 229 residents here (US Census Bureau).
- 2020 to 2023 change: population rose about 2.6% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Missouri places: 623rd by size among 937 communities (US Census Bureau).
- Size percentile: roughly 34% of Missouri's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 39.8699, -94.1417 in the US Census Bureau Gazetteer.
- Nearest larger cities: Kidder, MO (6 mi); Gallatin, MO (10 mi); Cameron, MO (10 mi); Hamilton, MO (11 mi); Maysville, MO (12 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Altamont, MO (3 mi); Weatherby, MO (6 mi); Jameson, MO (12 mi) (Census populations).
What a personal loan costs in Winston
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Winston
The sourced rows below are the rules a licensed lender must follow when lending in Missouri, and therefore in Winston.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Winston
Run through this list before signing anything in Winston:
- 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.