Fair Play at a glance
- Population: 450 (US Census Bureau, Vintage 2023 subcounty estimate), the 485th-largest of 937 places in Missouri.
- 2020 Census base: 434 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population rose about 3.7% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Missouri places: the 485th-largest of 937 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 48% of Missouri's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 37.6336, -93.5772 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Bolivar, MO (9 mi); Humansville, MO (11 mi); Stockton, MO (13 mi); Walnut Grove, MO (15 mi); Pleasant Hope, MO (20 mi) (US Census Bureau).
- Nearest smaller places: Aldrich, MO (6 mi); Dadeville, MO (12 mi); Umber View Heights, MO (12 mi) (US Census Bureau estimates).
What a personal loan costs in Fair Play
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Fair Play
Read the table as the compliance picture for a lender serving Fair Play: label, sourced figure, publisher and 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 Fair Play
Before you commit to a personal loan in Fair Play, work through these steps:
- 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.