Bolckow at a glance
- Population: roughly 161 people; 718th of 937 places in Missouri (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 161 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: under a tenth of a percent either way (US Census Bureau Vintage 2023 estimate).
- Rank among Missouri places: 718th by size among 937 communities (US Census Bureau).
- Size percentile: it exceeds roughly 23% of Missouri's Census places by population (US Census Bureau).
- Coordinates: 40.1152, -94.8212 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Barnard, MO (4 mi); Fillmore, MO (10 mi); Savannah, MO (12 mi); Conception Junction, MO (13 mi); Maitland, MO (15 mi) (US Census Bureau populations).
- Smaller towns nearby: Rea, MO (5 mi); Rosendale, MO (5 mi); Guilford, MO (6 mi) (US Census Bureau).
What a personal loan costs in Bolckow
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Missouri lending rules that apply in Bolckow
The sourced rows below are the rules a licensed lender must follow when lending in Missouri, and therefore in Bolckow.
| 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 Bolckow
Before you share your details with a lender in Bolckow:
- 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.