High Hill at a glance
- Population: roughly 182 people; 691st of 937 places in Missouri (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 183 residents here (US Census Bureau).
- 2020 to 2023 change: a loss of about 0.5% since the 2020 count (US Census Bureau).
- Rank among Missouri places: 691st of the state's 937 Census places (US Census Bureau).
- Size percentile: roughly 26% of Missouri's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 38.8763, -91.3807 in the US Census Bureau Gazetteer.
- Nearest larger cities: Jonesburg, MO (4 mi); New Florence, MO (5 mi); Bellflower, MO (9 mi); Montgomery City, MO (9 mi); Hermann, MO (13 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Pendleton, MO (9 mi); McKittrick, MO (10 mi); Truxton, MO (12 mi) (Census populations).
What a personal loan costs in High Hill
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Missouri lending rules that apply in High Hill
The Missouri rate caps and licensing rules that reach High Hill are listed below, each with its source and retrieval date.
| 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 High Hill
These steps are the ones that most affect the offer you receive in High Hill:
- 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.