Bridgeton at a glance
- Population: 11,261 people, the 72nd-largest place among Missouri's 937 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 11,447 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 1.6% since the 2020 count (US Census Bureau).
- Rank among Missouri places: the 72nd-largest of 937 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 92% of Missouri's Census places by population (US Census Bureau).
- Coordinates: 38.7733 latitude, -90.4170 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Hazelwood, MO (2 mi); St. Ann, MO (4 mi); Maryland Heights, MO (5 mi); Florissant, MO (5 mi); St. Charles, MO (6 mi) (US Census Bureau populations).
- Smaller towns nearby: Champ, MO (3 mi); Edmundson, MO (4 mi); Woodson Terrace, MO (4 mi) (US Census Bureau).
What a personal loan costs in Bridgeton
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.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Bridgeton
The table carries the Missouri rate and licensing rules that apply to consumer loans made in Bridgeton.
| 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 Bridgeton
Here is a short checklist for comparing personal loans in Bridgeton:
- 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.