Centertown at a glance
- Population: the Census estimates 291 residents, ranking 576th of 937 places in Missouri (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 285 residents here (US Census Bureau).
- 2020 to 2023 change: up roughly 2.1% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Missouri places: 576th largest of 937 (US Census Bureau).
- Size percentile: larger than about 39% of the Census places in Missouri (US Census Bureau).
- Coordinates: 38.6180, -92.4090 (US Census Bureau Gazetteer).
- Nearest larger cities: St. Martins, MO (4 mi); Russellville, MO (7 mi); California, MO (9 mi); Jamestown, MO (11 mi); Jefferson City, MO (13 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Lohman, MO (6 mi); Hartsburg, MO (8 mi); Clarksburg, MO (14 mi) (US Census Bureau).
What a personal loan costs in Centertown
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
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 Centertown
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Centertown
These steps are the ones that most affect the offer you receive in Centertown:
- 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.