Coney Island at a glance
- Population: roughly 47 people; 885th of 937 places in Missouri (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 45 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 4.4% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 885th out of 937 Census places (US Census Bureau).
- Size percentile: it is larger than about 6% of the places in Missouri (US Census Bureau).
- Coordinates: 36.5932, -93.3971 (US Census Bureau Gazetteer).
- Nearest larger cities: Kimberling City, MO (4 mi); Indian Point, MO (5 mi); Blue Eye, MO (5 mi); Branson, MO (6 mi); Branson West, MO (7 mi); US Census Bureau population estimates.
- Nearest smaller towns: Blue Eye, AR (7 mi); Gilbert, AR (56 mi); Ginger Blue, MO (59 mi) — US Census Bureau populations.
What a personal loan costs in Coney Island
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Missouri lending rules that apply in Coney Island
Each row below is a Missouri rule with its publisher and the date it was retrieved.
| 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 Coney Island
These steps are the ones that most affect the offer you receive in Coney Island:
- 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.