Marshfield at a glance
- Population: 7,845 people, the 101st-largest place among Missouri's 937 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 7,460 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population rose about 5.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Missouri places: 101st in population of 937 places (US Census Bureau).
- Size percentile: it exceeds roughly 89% of Missouri's Census places by population (US Census Bureau).
- Coordinates: it sits at 37.3422, -92.9110 in the US Census Bureau Gazetteer.
- Nearest larger cities: Springfield, MO (23 mi); Lebanon, MO (27 mi); Ozark, MO (27 mi); Nixa, MO (29 mi); Republic, MO (30 mi); US Census Bureau population estimates.
- Smaller towns nearby: Niangua, MO (5 mi); Diggins, MO (12 mi); Conway, MO (12 mi) (US Census Bureau).
What a personal loan costs in Marshfield
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
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.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Missouri lending rules that apply in Marshfield
The sourced rows below are the rules a licensed lender must follow when lending in Missouri, and therefore in Marshfield.
| 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 Marshfield
The steps below are worth completing first when you borrow in Marshfield:
- 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.