Pine Lawn at a glance
- Population: 2,683 — 200th in Missouri, which has 937 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,761 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a decline of roughly 2.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 200th of 937 by population (US Census Bureau, Vintage 2023).
- Size percentile: it exceeds roughly 79% of Missouri's Census places by population (US Census Bureau).
- Coordinates: it sits at 38.6953, -90.2756 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Northwoods, MO (1 mi); Normandy, MO (2 mi); Jennings, MO (2 mi); University City, MO (4 mi); Ferguson, MO (4 mi) (US Census Bureau).
- Nearest smaller places: Uplands Park, MO (0 mi); Velda Village Hills, MO (1 mi); Beverly Hills, MO (1 mi) (US Census Bureau estimates).
What a personal loan costs in Pine Lawn
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
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.
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.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Missouri lending rules that apply in Pine Lawn
The table carries the Missouri rate and licensing rules that apply to consumer loans made in Pine Lawn.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Pine Lawn
The steps below are worth completing first when you borrow in Pine Lawn:
- 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.