Oakwood Park at a glance
- Population: 185 people, the 685th-largest place among Missouri's 937 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 186 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: down about 0.5% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 685th-largest of 937 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 27% of Missouri's Census places by population (US Census Bureau).
- Coordinates: 39.2047, -94.5738 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Oakview, MO (0 mi); Oakwood, MO (0 mi); Gladstone, MO (1 mi); Northmoor, MO (2 mi); Houston Lake, MO (3 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Oaks, MO (1 mi); Randolph, MO (5 mi); River Bend, MO (10 mi) (US Census Bureau estimates).
What a personal loan costs in Oakwood Park
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
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.
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 Oakwood Park
Each row below is a Missouri rule with its publisher and the date it was retrieved.
| 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 Oakwood Park
A few practical steps will make the process in Oakwood Park 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.