Fleming at a glance
- Population: about 115 residents, ranking 770th of 937 Census places in Missouri (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 114 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a gain of roughly 0.9% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 770th of 937 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 18% of Missouri's Census places by population (US Census Bureau).
- Coordinates: 39.1955, -94.0521 (Census Gazetteer, US Census Bureau).
- Nearest larger cities within 120 miles: Camden, MO (2 mi); Orrick, MO (4 mi); Napoleon, MO (5 mi); Wellington, MO (5 mi); Henrietta, MO (7 mi) (US Census Bureau).
- Nearest smaller places: Levasy, MO (6 mi); Mosby, MO (16 mi); River Bend, MO (18 mi) (US Census Bureau estimates).
What a personal loan costs in Fleming
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Fleming
The table lists the Missouri rules that apply to a loan made in Fleming, each with the regulator that published it.
| 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 Fleming
Before you share your details with a lender in Fleming:
- 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.