Foster at a glance
- Population: roughly 79 people; 822nd of 937 places in Missouri (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 78 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: a gain of roughly 1.3% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 822nd largest of 937 (US Census Bureau).
- Size percentile: roughly 12% of Missouri's places have fewer residents (US Census Bureau).
- Coordinates: 38.1667, -94.5083 (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Hume, MO (7 mi); Amoret, MO (7 mi); Rich Hill, MO (9 mi); Pleasanton, KS (11 mi); Butler, MO (11 mi) (US Census Bureau).
- Nearest smaller towns: Metz, MO (12 mi); Stotesbury, MO (14 mi); Passaic, MO (14 mi) (US Census Bureau).
What a personal loan costs in Foster
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Missouri lending rules that apply in Foster
The table lists the Missouri rules that apply to a loan made in Foster, 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 Foster
Here is a short checklist for comparing personal loans in Foster:
- 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.