Mount Moriah at a glance
- Population: 77 residents, the 829th-largest of 937 places in Missouri (US Census Bureau, Vintage 2023).
- 2020 Census base: 76 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.3% growth over the 2020 Census base (US Census Bureau).
- Rank among Missouri places: the 829th-largest of 937 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 12% of the places in Missouri (US Census Bureau).
- Coordinates: 40.3293, -93.7971 (Census Gazetteer, US Census Bureau).
- Nearest larger cities within 120 miles: Cainsville, MO (8 mi); Ridgeway, MO (8 mi); Princeton, MO (12 mi); Blythedale, MO (12 mi); Spickard, MO (12 mi) (US Census Bureau).
- Smaller places nearby: Brimson, MO (13 mi); Tindall, MO (15 mi); Pleasanton, IA (18 mi), per US Census Bureau estimates.
What a personal loan costs in Mount Moriah
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Missouri lending rules that apply in Mount Moriah
The sourced rows below are the rules a licensed lender must follow when lending in Missouri, and therefore in Mount Moriah.
| 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 Mount Moriah
Run through this list before signing anything in Mount Moriah:
- 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.