Greenfield at a glance
- Population: 1,230 — 309th in Missouri, which has 937 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,211 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up about 1.6% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 309th-largest of 937 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 67% of the places in Missouri (US Census Bureau).
- Coordinates: it sits at 37.4161, -93.8429 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Ash Grove, MO (16 mi); Stockton, MO (20 mi); Mount Vernon, MO (22 mi); Lamar, MO (24 mi); Willard, MO (25 mi) (US Census Bureau).
- Smaller towns nearby: South Greenfield, MO (3 mi); Lockwood, MO (7 mi); Everton, MO (9 mi) (US Census Bureau).
What a personal loan costs in Greenfield
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
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.
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 Greenfield
Each row below is a Missouri rule with its publisher and the date it was retrieved.
| 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 Greenfield
Before you share your details with a lender in Greenfield:
- 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.