Mansfield at a glance
- Population: 1,284 (US Census Bureau, Vintage 2023 subcounty estimate), the 298th-largest of 937 places in Missouri.
- 2020 Census base: 1,194 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: up about 7.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Missouri places: the 298th-largest of 937 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 68% of Missouri's places have fewer residents (US Census Bureau).
- Coordinates: 37.1098, -92.5810 (US Census Bureau Gazetteer).
- Nearest larger cities: Seymour, MO (11 mi); Ava, MO (12 mi); Mountain Grove, MO (17 mi); Marshfield, MO (24 mi); Cabool, MO (26 mi) (Census populations, approximate straight-line distance).
- Nearest smaller communities: Norwood, MO (9 mi); Hartville, MO (10 mi); Diggins, MO (16 mi) (Census populations).
What a personal loan costs in Mansfield
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Mansfield
Read the table as the compliance picture for a lender serving Mansfield: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Mansfield
A few practical steps will make the process in Mansfield 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.