Gunn City at a glance
- Population: 77, the 827th-largest community in Missouri out of 937 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 78 residents here (US Census Bureau).
- 2020 to 2023 change: about 1.3% lower than the 2020 Census base (US Census Bureau).
- Rank among Missouri places: the 827th-largest of 937 (US Census Bureau, 2023 estimate).
- Size percentile: about 12% of Missouri's Census places are smaller (US Census Bureau).
- Coordinates: latitude 38.6660, longitude -94.1640 (US Census Bureau Gazetteer).
- Nearest larger cities: East Lynne, MO (4 mi); Strasburg, MO (6 mi); Kingsville, MO (7 mi); Garden City, MO (7 mi); Baldwin Park, MO (10 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Riverview Estates, MO (20 mi); Unity Village, MO (24 mi); Passaic, MO (26 mi), each a US Census place.
What a personal loan costs in Gunn City
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
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.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Missouri lending rules that apply in Gunn City
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Gunn City
The order below is a sensible way to approach a loan in Gunn City:
- 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.