Eminence at a glance
- Population: a Census-estimated 523, placing it 457th among Missouri's 937 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 510 (US Census Bureau).
- 2020 to 2023 change: an increase of about 2.5% since the 2020 count (US Census Bureau).
- Rank among Missouri places: 457th of the state's 937 Census places (US Census Bureau).
- Size percentile: about 51% of places in Missouri are smaller (US Census Bureau).
- Coordinates: it sits at 37.1509, -91.3587 in the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Winona, MO (10 mi); Birch Tree, MO (13 mi); Van Buren, MO (22 mi); Mountain View, MO (22 mi); Ellington, MO (22 mi) (US Census Bureau populations).
- Nearest smaller communities: Summersville, MO (17 mi); Bunker, MO (23 mi); Raymondville, MO (29 mi), each a US Census place.
What a personal loan costs in Eminence
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Missouri lending rules that apply in Eminence
Read the table as the compliance picture for a lender serving Eminence: label, sourced figure, publisher and date.
| 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 Eminence
Before you share your details with a lender in Eminence:
- 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.