Beverly Hills at a glance
- Population: 458 residents, the 483rd-largest of 937 places in Missouri (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 472 (US Census Bureau).
- 2020 to 2023 change: down about 3.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Missouri places: the 483rd-largest of 937 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 48% of Missouri's Census places by population (US Census Bureau).
- Coordinates: 38.6979 latitude, -90.2901 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Velda City, MO (0 mi); Velda Village Hills, MO (0 mi); Northwoods, MO (1 mi); Pasadena Hills, MO (1 mi); Pine Lawn, MO (1 mi); each population is a US Census Bureau estimate.
- Smaller places nearby: Glen Echo Park, MO (0 mi); Uplands Park, MO (1 mi); Pasadena Park, MO (1 mi), per US Census Bureau estimates.
What a personal loan costs in Beverly Hills
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Beverly Hills
The table carries the Missouri rate and licensing rules that apply to consumer loans made in Beverly Hills.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Beverly Hills
The steps below are worth completing first when you borrow in Beverly Hills:
- 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.