Dennis Acres at a glance
- Population: 55 residents, the 873rd-largest of 937 places in Missouri (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 51 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 7.8% higher than at the 2020 Census (US Census Bureau).
- Rank among Missouri places: 873rd out of 937 Census places (US Census Bureau).
- Size percentile: roughly 7% of Missouri's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.0465, -94.5044.
- Nearest larger cities within 120 miles: Leawood, MO (1 mi); Shoal Creek Drive, MO (1 mi); Redings Mill, MO (2 mi); Joplin, MO (2 mi); Grand Falls Plaza, MO (2 mi) (US Census Bureau).
- Nearest smaller communities: Cliff Village, MO (2 mi); Ginger Blue, MO (32 mi); Hoberg, MO (36 mi), each a US Census place.
What a personal loan costs in Dennis Acres
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Dennis Acres
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Dennis Acres
Before you commit to a personal loan in Dennis Acres, work through these steps:
- 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.