Edmundson at a glance
- Population: a Census-estimated 842, placing it 366th among Missouri's 937 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 859 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 2.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 366th by size among 937 communities (US Census Bureau).
- Size percentile: about 61% of places in Missouri are smaller (US Census Bureau).
- Coordinates: 38.7351 / -90.3657, per the US Census Bureau Gazetteer.
- Nearest larger cities: Woodson Terrace, MO (1 mi); St. Ann, MO (1 mi); Breckenridge Hills, MO (1 mi); St. John, MO (2 mi); Berkeley, MO (2 mi); US Census Bureau population estimates.
- Nearest smaller towns: Kinloch, MO (2 mi); Sycamore Hills, MO (3 mi); Bellerive Acres, MO (3 mi) — US Census Bureau populations.
What a personal loan costs in Edmundson
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Edmundson
The table carries the Missouri rate and licensing rules that apply to consumer loans made in Edmundson.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Edmundson
A few practical steps will make the process in Edmundson less costly:
- 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.