Bagnell at a glance
- Population: 44 (US Census Bureau, Vintage 2023 subcounty estimate), the 890th-largest of 937 places in Missouri.
- 2020 Census base: 43 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: up roughly 2.3% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Missouri places: 890th of the state's 937 Census places (US Census Bureau).
- Size percentile: about 5% of Missouri's Census places are smaller (US Census Bureau).
- Coordinates: 38.2314 latitude, -92.6041 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Lake Ozark, MO (3 mi); Village of Four Seasons, MO (6 mi); Osage Beach, MO (7 mi); Tuscumbia, MO (8 mi); Eldon, MO (8 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Friedenswald, MO (14 mi); Lupus, MO (43 mi); McBaine, MO (46 mi) (US Census Bureau estimates).
What a personal loan costs in Bagnell
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
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.
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-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Missouri lending rules that apply in Bagnell
The table lists the Missouri rules that apply to a loan made in Bagnell, each with the regulator that published it.
| 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 Bagnell
Here is a short checklist for comparing personal loans in Bagnell:
- 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.