Diggins at a glance
- Population: a Census-estimated 313, placing it 562nd among Missouri's 937 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 301 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: an increase of about 4.0% since the 2020 count (US Census Bureau).
- Rank among Missouri places: 562nd-largest of 937 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 40% of places in Missouri rank below it by population (US Census Bureau).
- Coordinates: 37.1737, -92.8515 (Census Gazetteer, US Census Bureau).
- Nearest larger cities within 120 miles: Seymour, MO (5 mi); Fordland, MO (5 mi); Marshfield, MO (12 mi); Rogersville, MO (13 mi); Niangua, MO (15 mi) (US Census Bureau).
- Smaller places close by: Phillipsburg, MO (26 mi); Evergreen, MO (30 mi); Taneyville, MO (32 mi) (US Census Bureau).
What a personal loan costs in Diggins
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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 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 Diggins
The sourced rows below are the rules a licensed lender must follow when lending in Missouri, and therefore in Diggins.
| 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 Diggins
Run through this list before signing anything in Diggins:
- 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.