Greendale at a glance
- Population: 631 residents, the 426th-largest of 937 places in Missouri (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 644 (US Census Bureau).
- 2020 to 2023 change: down roughly 2.0% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Missouri places: 426th of the state's 937 Census places (US Census Bureau).
- Size percentile: larger than about 55% of the Census places in Missouri (US Census Bureau).
- Coordinates: 38.6938 / -90.3125, per the US Census Bureau Gazetteer.
- Nearest larger cities: Bel-Nor, MO (0 mi); Hanley Hills, MO (1 mi); Pagedale, MO (1 mi); Velda City, MO (1 mi); Normandy, MO (1 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Glen Echo Park, MO (1 mi); Beverly Hills, MO (1 mi); Bellerive Acres, MO (1 mi) (Census populations).
What a personal loan costs in Greendale
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Missouri lending rules that apply in Greendale
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Greendale
The steps below are worth completing first when you borrow in Greendale:
- 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.