De Kalb at a glance
- Population: about 237, 621st by size in Missouri of 937 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 233 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: an increase of about 1.7% since the 2020 count (US Census Bureau).
- Rank among Missouri places: 621st out of 937 Census places (US Census Bureau).
- Size percentile: ahead of around 34% of Missouri places in population terms (US Census Bureau).
- Coordinates: 39.5883 latitude, -94.9236 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Dearborn, MO (9 mi); Agency, MO (10 mi); Elwood, KS (11 mi); Atchison, KS (11 mi); Wathena, KS (12 mi) (US Census Bureau).
- Smaller places close by: Rushville, MO (5 mi); Lewis and Clark Village, MO (8 mi); Iatan, MO (8 mi) (US Census Bureau).
What a personal loan costs in De Kalb
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Missouri lending rules that apply in De Kalb
The table lists the Missouri rules that apply to a loan made in De Kalb, each with the regulator that published it.
| 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 De Kalb
The steps below are worth completing first when you borrow in De Kalb:
- 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.