Hayti Heights at a glance
- Population: 479 (US Census Bureau, Vintage 2023 subcounty estimate), the 476th-largest of 937 places in Missouri.
- 2020 Census base: 515 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population fell about 7.0% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Missouri places: 476th in population of 937 places (US Census Bureau).
- Size percentile: it is larger than about 49% of the places in Missouri (US Census Bureau).
- Coordinates: latitude 36.2312, longitude -89.7682 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Hayti, MO (1 mi); Caruthersville, MO (7 mi); Steele, MO (11 mi); Portageville, MO (14 mi); Kennett, MO (16 mi) (US Census Bureau).
- Smaller towns nearby: Pascola, MO (4 mi); Homestown, MO (8 mi); Bragg City, MO (8 mi) (US Census Bureau).
What a personal loan costs in Hayti Heights
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
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 Hayti Heights
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Hayti Heights
The steps below are worth completing first when you borrow in Hayti Heights:
- 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.