Frontenac at a glance
- Population: the Census estimates 3,727 residents, ranking 167th of 937 places in Missouri (Vintage 2023).
- 2020 Census base: 3,613 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up roughly 3.2% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Missouri places: 167th-largest of 937 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 82% of places in Missouri rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 38.6301, -90.4190.
- Nearest larger cities (within 120 miles): Ladue, MO (2 mi); Creve Coeur, MO (3 mi); Des Peres, MO (3 mi); Town and Country, MO (3 mi); Rock Hill, MO (3 mi) (US Census Bureau populations).
- Nearest smaller places: Crystal Lake Park, MO (1 mi); Westwood, MO (1 mi); Huntleigh, MO (1 mi) (US Census Bureau estimates).
What a personal loan costs in Frontenac
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Missouri lending rules that apply in Frontenac
The Missouri rate caps and licensing rules that reach Frontenac are listed below, each with its source and retrieval 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 Frontenac
Before you share your details with a lender in Frontenac:
- 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.