Lone Jack at a glance
- Population: about 1,744, 259th by size in Missouri of 937 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 1,524 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: population rose about 14.4% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Missouri places: 259th by size among 937 communities (US Census Bureau).
- Size percentile: it exceeds roughly 72% of Missouri's Census places by population (US Census Bureau).
- Coordinates: 38.8709 / -94.1856, per the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Lake Lotawana, MO (5 mi); Pleasant Hill, MO (6 mi); Greenwood, MO (8 mi); Oak Grove, MO (10 mi); Grain Valley, MO (10 mi) (US Census Bureau).
- Nearest smaller communities: Baldwin Park, MO (6 mi); Strasburg, MO (8 mi); Lake Winnebago, MO (10 mi), each a US Census place.
What a personal loan costs in Lone Jack
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.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Missouri lending rules that apply in Lone Jack
The sourced rows below are the rules a licensed lender must follow when lending in Missouri, and therefore in Lone Jack.
| 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 Lone Jack
Run through this list before signing anything in Lone Jack:
- 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.