Graham at a glance
- Population: 146, the 734th-largest community in Missouri out of 937 (US Census Bureau, Vintage 2023).
- 2020 Census base: 152 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: roughly 3.9% fewer residents than at the 2020 Census (US Census Bureau).
- Rank among Missouri places: 734th of 937 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 22% of Missouri places in population terms (US Census Bureau).
- Coordinates: 40.2013 / -95.0404, per the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Maitland, MO (2 mi); Skidmore, MO (6 mi); Mound City, MO (11 mi); Barnard, MO (12 mi); Fillmore, MO (13 mi) (US Census Bureau populations).
- Smaller places close by: Arkoe, MO (12 mi); Bigelow, MO (15 mi); Rosendale, MO (16 mi) (US Census Bureau).
What a personal loan costs in Graham
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Missouri lending rules that apply in Graham
The table carries the Missouri rate and licensing rules that apply to consumer loans made in Graham.
| 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 Graham
The steps below are worth completing first when you borrow in Graham:
- 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.