Pattonsburg at a glance
- Population: 339, the 546th-largest community in Missouri out of 937 (US Census Bureau, Vintage 2023).
- 2020 Census base: 333 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: roughly 1.8% higher than at the 2020 Census (US Census Bureau).
- Rank among Missouri places: 546th in population of 937 places (US Census Bureau).
- Size percentile: about 42% of Missouri's Census places are smaller (US Census Bureau).
- Coordinates: latitude 40.0688, longitude -94.1088 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Gallatin, MO (13 mi); Bethany, MO (14 mi); Albany, MO (17 mi); Jamesport, MO (17 mi); Maysville, MO (19 mi) (US Census Bureau).
- Nearest smaller places: Coffey, MO (6 mi); McFall, MO (7 mi); Jameson, MO (8 mi) (US Census Bureau estimates).
What a personal loan costs in Pattonsburg
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Missouri lending rules that apply in Pattonsburg
The table carries the Missouri rate and licensing rules that apply to consumer loans made in Pattonsburg.
| 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 Pattonsburg
Before you commit to a personal loan in Pattonsburg, work through these steps:
- 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.