Higginsville at a glance
- Population: roughly 4,757 people; 139th of 937 places in Missouri (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 4,811 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down about 1.1% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 139th of 937 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 85% of places in Missouri rank below it by population (US Census Bureau).
- Coordinates: 39.0657 / -93.7268, per the US Census Bureau Gazetteer.
- Nearest larger cities: Odessa, MO (14 mi); Richmond, MO (20 mi); Warrensburg, MO (21 mi); Oak Grove, MO (22 mi); Grain Valley, MO (27 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Aullville, MO (4 mi); Corder, MO (5 mi); Mayview, MO (6 mi) (US Census Bureau).
What a personal loan costs in Higginsville
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Higginsville
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 |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Higginsville
A few practical steps will make the process in Higginsville less costly:
- 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.