Herculaneum at a glance
- Population: a Census-estimated 5,245, placing it 129th among Missouri's 937 places (Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 count put the population at 4,677 (US Census Bureau).
- 2020 to 2023 change: an increase of about 12.1% since the 2020 count (US Census Bureau).
- Rank among Missouri places: 129th in population of 937 places (US Census Bureau).
- Size percentile: it is larger than about 86% of the places in Missouri (US Census Bureau).
- Coordinates: mapped at 38.2576, -90.3931 by the US Census Bureau Gazetteer.
- Nearest larger cities: Pevely, MO (2 mi); Festus, MO (3 mi); Arnold, MO (12 mi); De Soto, MO (12 mi); Waterloo, IL (14 mi); US Census Bureau population estimates.
- Nearest smaller towns: Crystal City, MO (2 mi); Valmeyer, IL (6 mi); Kimmswick, MO (8 mi) (US Census Bureau).
What a personal loan costs in Herculaneum
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Missouri lending rules that apply in Herculaneum
Where a figure is not published by the state, the row points to the source instead of guessing.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Herculaneum
Before you commit to a personal loan in Herculaneum, 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.