Peaceful Village at a glance
- Population: 97 residents, the 802nd-largest of 937 places in Missouri (US Census Bureau, Vintage 2023).
- 2020 Census base: 95 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: population rose about 2.1% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Missouri places: 802nd out of 937 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 14% of Missouri's Census places by population (US Census Bureau).
- Coordinates: 38.4670 latitude, -90.5428 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Parkdale, MO (1 mi); Byrnes Mill, MO (3 mi); Scotsdale, MO (6 mi); Eureka, MO (6 mi); Valley Park, MO (6 mi) (Census populations, approximate straight-line distance).
- Smaller places close by: Country Life Acres, MO (12 mi); Weldon Spring Heights, MO (18 mi); Champ, MO (20 mi) (US Census Bureau).
What a personal loan costs in Peaceful Village
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
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 Peaceful Village
The Missouri rate caps and licensing rules that reach Peaceful Village are listed below, each with its source and retrieval date.
| 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 Peaceful Village
A few practical steps will make the process in Peaceful Village 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.