Kinloch at a glance
- Population: about 260, 601st by size in Missouri of 937 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 265 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down about 1.9% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 601st largest of 937 (US Census Bureau).
- Size percentile: about 36% of places in Missouri are smaller (US Census Bureau).
- Coordinates: mapped at 38.7384, -90.3250 by the US Census Bureau Gazetteer.
- Nearest larger cities: Berkeley, MO (1 mi); Cool Valley, MO (1 mi); Ferguson, MO (2 mi); Bel-Ridge, MO (2 mi); Calverton Park, MO (2 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Bellerive Acres, MO (2 mi); Glen Echo Park, MO (3 mi); Champ, MO (7 mi) — US Census Bureau populations.
What a personal loan costs in Kinloch
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Missouri lending rules that apply in Kinloch
Each row below is a Missouri rule with its publisher and the date it was retrieved.
| 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 Kinloch
Before you share your details with a lender in Kinloch:
- 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.