Neck City at a glance
- Population: 230 people, the 627th-largest place among Missouri's 937 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 228 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 0.9% more residents than the 2020 Census base (US Census Bureau).
- Rank among Missouri places: 627th of the state's 937 Census places (US Census Bureau).
- Size percentile: it is larger than about 33% of the places in Missouri (US Census Bureau).
- Coordinates: latitude 37.2549, longitude -94.4449 (US Census Bureau Gazetteer).
- Nearest larger cities: Purcell, MO (1 mi); Alba, MO (2 mi); Oronogo, MO (4 mi); Carytown, MO (6 mi); Carterville, MO (7 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Brooklyn Heights, MO (7 mi); Waco, MO (9 mi); Asbury, MO (9 mi) (US Census Bureau).
What a personal loan costs in Neck City
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Missouri lending rules that apply in Neck City
Read the table as the compliance picture for a lender serving Neck City: label, sourced figure, publisher and date.
| 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 Neck City
A few practical steps will make the process in Neck City 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.