Fenton at a glance
- Population: a Census-estimated 4,048, placing it 163rd among Missouri's 937 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 4,118 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 1.7% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Missouri places: 163rd-largest of 937 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 83% of places in Missouri rank below it by population (US Census Bureau).
- Coordinates: it sits at 38.5285, -90.4507 in the US Census Bureau Gazetteer.
- Nearest larger cities: Sunset Hills, MO (2 mi); Valley Park, MO (3 mi); Kirkwood, MO (4 mi); Crestwood, MO (4 mi); Manchester, MO (5 mi), each a US Census place with its estimated population.
- Nearest smaller places: Twin Oaks, MO (4 mi); Oakland, MO (5 mi); Parkdale, MO (5 mi) (US Census Bureau estimates).
What a personal loan costs in Fenton
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Missouri lending rules that apply in Fenton
The table carries the Missouri rate and licensing rules that apply to consumer loans made in Fenton.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Fenton
The steps below are worth completing first when you borrow in Fenton:
- 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.