Everton at a glance
- Population: about 283, 582nd by size in Missouri of 937 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 277 (US Census Bureau).
- 2020 to 2023 change: about 2.2% growth over the 2020 Census base (US Census Bureau).
- Rank among Missouri places: 582nd out of 937 Census places (US Census Bureau).
- Size percentile: roughly 38% of Missouri's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 37.3432, -93.7027 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Ash Grove, MO (7 mi); Greenfield, MO (9 mi); Walnut Grove, MO (10 mi); Miller, MO (12 mi); Lockwood, MO (14 mi) (US Census Bureau).
- Nearest smaller communities: South Greenfield, MO (8 mi); Dadeville, MO (10 mi); Halltown, MO (11 mi), each a US Census place.
What a personal loan costs in Everton
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Missouri lending rules that apply in Everton
The Missouri rate caps and licensing rules that reach Everton are listed below, each with its source and retrieval date.
| 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 Everton
These steps are the ones that most affect the offer you receive in Everton:
- 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.