Campbell at a glance
- Population: 1,525 people, the 278th-largest place among Missouri's 937 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,603 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a decline of roughly 4.9% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 278th in population of 937 places (US Census Bureau).
- Size percentile: ahead of around 70% of Missouri places in population terms (US Census Bureau).
- Coordinates: latitude 36.4930, longitude -90.0761 (US Census Bureau Gazetteer).
- Nearest larger cities: Malden, MO (9 mi); Piggott, AR (10 mi); Bernie, MO (14 mi); Kennett, MO (18 mi); Rector, AR (20 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: St. Francis, AR (5 mi); Clarkton, MO (7 mi); Holcomb, MO (7 mi) (US Census Bureau).
What a personal loan costs in Campbell
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Missouri lending rules that apply in Campbell
The sourced rows below are the rules a licensed lender must follow when lending in Missouri, and therefore in Campbell.
| 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 Campbell
Run through this list before signing anything in Campbell:
- 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.