Pendleton at a glance
- Population: a Census-estimated 37, placing it 903rd among Missouri's 937 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 35 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 5.7% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 903rd largest of 937 (US Census Bureau).
- Size percentile: roughly 4% of places in Missouri rank below it by population (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 38.8349, -91.2295.
- Nearest larger cities: Jonesburg, MO (4 mi); Warrenton, MO (5 mi); Truesdale, MO (6 mi); High Hill, MO (9 mi); Wright City, MO (10 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Three Creeks, MO (22 mi); Annada, MO (37 mi); Charmwood, MO (39 mi) (US Census Bureau).
What a personal loan costs in Pendleton
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 Pendleton
The Missouri rate caps and licensing rules that reach Pendleton are listed below, each with its source and retrieval date.
| 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 Pendleton
The steps below are worth completing first when you borrow in Pendleton:
- 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.