Byrnes Mill at a glance
- Population: 3,185 — 180th in Missouri, which has 937 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,174 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: an increase of about 0.3% since the 2020 count (US Census Bureau).
- Rank among Missouri places: 180th largest of 937 (US Census Bureau).
- Size percentile: about 81% of Missouri's Census places are smaller (US Census Bureau).
- Coordinates: latitude 38.4390, longitude -90.5736 (US Census Bureau Gazetteer).
- Nearest larger cities: Eureka, MO (6 mi); Valley Park, MO (9 mi); Fenton, MO (9 mi); Pacific, MO (10 mi); Ellisville, MO (10 mi), each a US Census place with its estimated population.
- Smaller places nearby: Peaceful Village, MO (3 mi); Scotsdale, MO (3 mi); Parkdale, MO (4 mi), per US Census Bureau estimates.
What a personal loan costs in Byrnes Mill
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Missouri lending rules that apply in Byrnes Mill
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Byrnes Mill
A few practical steps will make the process in Byrnes Mill less costly:
- 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.