Irondale at a glance
- Population: 368 (US Census Bureau, Vintage 2023 subcounty estimate), the 537th-largest of 937 places in Missouri.
- 2020 Census base: the 2020 Census recorded 367 residents here (US Census Bureau).
- 2020 to 2023 change: about 0.3% more residents than the 2020 Census base (US Census Bureau).
- Rank among Missouri places: 537th of the state's 937 Census places (US Census Bureau).
- Size percentile: roughly 43% of Missouri's places have fewer residents (US Census Bureau).
- Coordinates: 37.8374, -90.6701 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Leadwood, MO (5 mi); Bismarck, MO (5 mi); Desloge, MO (9 mi); Potosi, MO (9 mi); Bonne Terre, MO (9 mi) (US Census Bureau populations).
- Nearest smaller towns: Caledonia, MO (8 mi); Mineral Point, MO (8 mi); Junction City, MO (27 mi) (US Census Bureau).
What a personal loan costs in Irondale
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Irondale
The Missouri rate caps and licensing rules that reach Irondale are listed below, each with its source and retrieval date.
| 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 Irondale
A few practical steps will make the process in Irondale 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.