Eolia at a glance
- Population: 484, the 475th-largest community in Missouri out of 937 (US Census Bureau, Vintage 2023).
- 2020 Census base: 474 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up about 2.1% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 475th largest of 937 (US Census Bureau).
- Size percentile: larger than about 49% of the Census places in Missouri (US Census Bureau).
- Coordinates: 39.2379 / -91.0132, per the US Census Bureau Gazetteer.
- Nearest larger cities: Bowling Green, MO (13 mi); Elsberry, MO (13 mi); Louisiana, MO (14 mi); Pleasant Hill, IL (16 mi); Troy, MO (19 mi); US Census Bureau population estimates.
- Smaller places close by: Whiteside, MO (4 mi); Paynesville, MO (6 mi); Silex, MO (8 mi) (US Census Bureau).
What a personal loan costs in Eolia
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Missouri lending rules that apply in Eolia
Each row below is a Missouri rule with its publisher and the date it was retrieved.
| 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 Eolia
A few practical steps will make the process in Eolia 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.