Holland at a glance
- Population: 181 residents, the 692nd-largest of 937 places in Missouri (US Census Bureau, Vintage 2023).
- 2020 Census base: 195 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: about 7.2% lower than the 2020 Census base (US Census Bureau).
- Rank among Missouri places: 692nd of the state's 937 Census places (US Census Bureau).
- Size percentile: larger than about 26% of the Census places in Missouri (US Census Bureau).
- Coordinates: mapped at 36.0570, -89.8705 by the US Census Bureau Gazetteer.
- Nearest larger cities: Steele, MO (3 mi); Cooter, MO (4 mi); Gosnell, AR (8 mi); Blytheville, AR (9 mi); Hayti Heights, MO (13 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Rives, MO (8 mi); Pascola, MO (15 mi); Bragg City, MO (15 mi) (Census populations).
What a personal loan costs in Holland
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Missouri lending rules that apply in Holland
The table lists the Missouri rules that apply to a loan made in Holland, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Holland
Before you commit to a personal loan in Holland, 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.