Excelsior Estates at a glance
- Population: about 230, 626th by size in Missouri of 937 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 222 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population rose about 3.6% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Missouri places: 626th of 937 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 33% of places in Missouri are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.3899, -94.2082.
- Nearest larger cities (within 120 miles): Crystal Lakes, MO (2 mi); Lawson, MO (3 mi); Excelsior Springs, MO (4 mi); Wood Heights, MO (4 mi); Holt, MO (8 mi) (US Census Bureau populations).
- Nearest smaller places: Homestead, MO (2 mi); Prathersville, MO (6 mi); Mosby, MO (7 mi) (US Census Bureau estimates).
What a personal loan costs in Excelsior Estates
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Missouri lending rules that apply in Excelsior Estates
The table lists the Missouri rules that apply to a loan made in Excelsior Estates, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Excelsior Estates
The order below is a sensible way to approach a loan in Excelsior Estates:
- 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.