Appleton City at a glance
- Population: about 1,077 residents, ranking 326th of 937 Census places in Missouri (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 1,027 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 4.9% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Missouri places: the 326th-largest of 937 (US Census Bureau, 2023 estimate).
- Size percentile: about 65% of places in Missouri are smaller (US Census Bureau).
- Coordinates: 38.1911 / -94.0317, per the US Census Bureau Gazetteer.
- Nearest larger cities: Butler, MO (17 mi); Clinton, MO (19 mi); Rich Hill, MO (19 mi); Adrian, MO (22 mi); El Dorado Springs, MO (22 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Montrose, MO (5 mi); Rockville, MO (9 mi); Schell City, MO (13 mi) (US Census Bureau).
What a personal loan costs in Appleton City
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.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Appleton City
The sourced rows below are the rules a licensed lender must follow when lending in Missouri, and therefore in Appleton City.
| 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 Appleton City
The order below is a sensible way to approach a loan in Appleton City:
- 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.