Flordell Hills at a glance
- Population: the Census estimates 705 residents, ranking 400th of 937 places in Missouri (Vintage 2023).
- 2020 Census base: 725 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a loss of about 2.8% since the 2020 count (US Census Bureau).
- Rank among Missouri places: 400th in population of 937 places (US Census Bureau).
- Size percentile: ahead of around 57% of Missouri places in population terms (US Census Bureau).
- Coordinates: 38.7174 latitude, -90.2648 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Jennings, MO (0 mi); Country Club Hills, MO (1 mi); Northwoods, MO (1 mi); Norwood Court, MO (1 mi); Pasadena Hills, MO (2 mi) (US Census Bureau).
- Smaller places nearby: Pasadena Park, MO (2 mi); Beverly Hills, MO (2 mi); Uplands Park, MO (2 mi), per US Census Bureau estimates.
What a personal loan costs in Flordell Hills
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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 longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Missouri lending rules that apply in Flordell Hills
The table lists the Missouri rules that apply to a loan made in Flordell Hills, each with the regulator that published it.
| 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 Flordell Hills
A few practical steps will make the process in Flordell Hills less costly:
- 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.