Harris at a glance
- Population: a Census-estimated 62, placing it 858th among Missouri's 937 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 64 residents here (US Census Bureau).
- 2020 to 2023 change: about 3.1% lower than the 2020 Census base (US Census Bureau).
- Rank among Missouri places: 858th of 937 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 8% of Missouri's Census places are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 40.3061, -93.3504.
- Nearest larger cities: Newtown, MO (5 mi); Galt, MO (13 mi); Humphreys, MO (13 mi); Spickard, MO (13 mi); Milan, MO (14 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Osgood, MO (8 mi); Lucerne, MO (11 mi); Pollock, MO (15 mi) (US Census Bureau).
What a personal loan costs in Harris
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Missouri lending rules that apply in Harris
Read the table as the compliance picture for a lender serving Harris: label, sourced figure, publisher and date.
| 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 Harris
Before you commit to a personal loan in Harris, work through these steps:
- 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.