Kidder at a glance
- Population: about 271 residents, ranking 593rd of 937 Census places in Missouri (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 264 residents here (US Census Bureau).
- 2020 to 2023 change: about 2.7% more residents than the 2020 Census base (US Census Bureau).
- Rank among Missouri places: 593rd out of 937 Census places (US Census Bureau).
- Size percentile: larger than about 37% of the Census places in Missouri (US Census Bureau).
- Coordinates: 39.7820, -94.1025 (Census Gazetteer, US Census Bureau).
- Nearest larger cities (120-mile radius): Hamilton, MO (6 mi); Cameron, MO (7 mi); Kingston, MO (10 mi); Gallatin, MO (12 mi); Osborn, MO (14 mi) (US Census Bureau).
- Smaller towns nearby: Winston, MO (6 mi); Altamont, MO (7 mi); Weatherby, MO (12 mi) (US Census Bureau).
What a personal loan costs in Kidder
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Missouri lending rules that apply in Kidder
The Missouri rate caps and licensing rules that reach Kidder 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 Kidder
Run through this list before signing anything in Kidder:
- 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.