Hartville at a glance
- Population: 625, the 431st-largest community in Missouri out of 937 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 593 (US Census Bureau).
- 2020 to 2023 change: up roughly 5.4% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Missouri places: 431st of the state's 937 Census places (US Census Bureau).
- Size percentile: it is larger than about 54% of the places in Missouri (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 37.2503, -92.5133.
- Nearest larger cities: Mansfield, MO (10 mi); Seymour, MO (16 mi); Mountain Grove, MO (16 mi); Ava, MO (22 mi); Marshfield, MO (23 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Norwood, MO (11 mi); Diggins, MO (19 mi); Niangua, MO (20 mi), each a US Census place.
What a personal loan costs in Hartville
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 is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Missouri lending rules that apply in Hartville
The Missouri rate caps and licensing rules that reach Hartville are listed below, each with its source and retrieval 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 Hartville
The order below is a sensible way to approach a loan in Hartville:
- 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.