Desloge at a glance
- Population: the Census estimates 4,869 residents, ranking 135th of 937 places in Missouri (Vintage 2023).
- 2020 Census base: 4,821 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up roughly 1.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Missouri places: 135th out of 937 Census places (US Census Bureau).
- Size percentile: roughly 86% of places in Missouri rank below it by population (US Census Bureau).
- Coordinates: 37.8751, -90.5191 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (within 120 miles): Bonne Terre, MO (3 mi); Park Hills, MO (4 mi); Farmington, MO (8 mi); De Soto, MO (19 mi); Festus, MO (25 mi) (US Census Bureau populations).
- Nearest smaller towns: Leadington, MO (4 mi); Leadwood, MO (4 mi); Irondale, MO (9 mi) — US Census Bureau populations.
What a personal loan costs in Desloge
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Missouri lending rules that apply in Desloge
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Desloge
These steps are the ones that most affect the offer you receive in Desloge:
- 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.