Barnard at a glance
- Population: a Census-estimated 192, placing it 673rd among Missouri's 937 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 200 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 4.0% since the 2020 count (US Census Bureau).
- Rank among Missouri places: the 673rd-largest of 937 (US Census Bureau, 2023 estimate).
- Size percentile: about 28% of places in Missouri are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.1754, -94.8232.
- Nearest larger cities: Maryville, MO (12 mi); Maitland, MO (14 mi); Ravenwood, MO (15 mi); Stanberry, MO (15 mi); Skidmore, MO (16 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Bolckow, MO (4 mi); Guilford, MO (5 mi); Arkoe, MO (6 mi), per US Census Bureau estimates.
What a personal loan costs in Barnard
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Missouri lending rules that apply in Barnard
Read the table as the compliance picture for a lender serving Barnard: label, sourced figure, publisher and date.
| 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 Barnard
Before you share your details with a lender in Barnard:
- 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.