Marlborough at a glance
- Population: 2,180 (US Census Bureau, Vintage 2023 subcounty estimate), the 229th-largest of 937 places in Missouri.
- 2020 Census base: 2,220 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 1.8% lower than the 2020 Census base (US Census Bureau).
- Rank among Missouri places: the 229th-largest of 937 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 76% of Missouri's places have fewer residents (US Census Bureau).
- Coordinates: 38.5683, -90.3392 (US Census Bureau Gazetteer).
- Nearest larger cities: Shrewsbury, MO (1 mi); Webster Groves, MO (2 mi); Crestwood, MO (2 mi); Glendale, MO (3 mi); Green Park, MO (3 mi) (Census populations, approximate straight-line distance).
- Nearest smaller towns: Grantwood Village, MO (1 mi); Wilbur Park, MO (2 mi); Lakeshire, MO (2 mi) (US Census Bureau).
What a personal loan costs in Marlborough
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Missouri lending rules that apply in Marlborough
The table lists the Missouri rules that apply to a loan made in Marlborough, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Marlborough
Run through this list before signing anything in Marlborough:
- 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.