Kimberling City at a glance
- Population: 2,395 — 214th in Missouri, which has 937 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 2,341 residents here (US Census Bureau).
- 2020 to 2023 change: up about 2.3% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 214th by size among 937 communities (US Census Bureau).
- Size percentile: roughly 77% of places in Missouri rank below it by population (US Census Bureau).
- Coordinates: mapped at 36.6480, -93.4242 by the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Branson, MO (8 mi); Hollister, MO (11 mi); Forsyth, MO (18 mi); Holiday Island, AR (21 mi); Berryville, AR (21 mi) (US Census Bureau).
- Nearest smaller communities: Branson West, MO (3 mi); Coney Island, MO (4 mi); Indian Point, MO (4 mi) (Census populations).
What a personal loan costs in Kimberling City
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Missouri lending rules that apply in Kimberling City
The table lists the Missouri rules that apply to a loan made in Kimberling City, 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 Kimberling City
Before you commit to a personal loan in Kimberling City, 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.