Camden at a glance
- Population: 175 residents, the 698th-largest of 937 places in Missouri (US Census Bureau, Vintage 2023).
- 2020 Census base: 174 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up roughly 0.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Missouri places: 698th of the state's 937 Census places (US Census Bureau).
- Size percentile: roughly 26% of Missouri's places have fewer residents (US Census Bureau).
- Coordinates: latitude 39.1991, longitude -94.0234 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Wellington, MO (4 mi); Henrietta, MO (5 mi); Orrick, MO (6 mi); Richmond, MO (6 mi); Napoleon, MO (6 mi) (US Census Bureau populations).
- Smaller towns nearby: Fleming, MO (2 mi); Levasy, MO (7 mi); Prathersville, MO (16 mi) (US Census Bureau).
What a personal loan costs in Camden
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Missouri lending rules that apply in Camden
Each row below is a Missouri rule with its publisher and the date it was retrieved.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Camden
These steps are the ones that most affect the offer you receive in Camden:
- 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.