Pleasant Hope at a glance
- Population: about 685, 403rd by size in Missouri of 937 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 666 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: population rose about 2.9% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Missouri places: 403rd by size among 937 communities (US Census Bureau).
- Size percentile: roughly 57% of Missouri's places have fewer residents (US Census Bureau).
- Coordinates: latitude 37.4653, longitude -93.2744 (US Census Bureau Gazetteer).
- Nearest larger cities: Fair Grove, MO (9 mi); Bolivar, MO (13 mi); Willard, MO (14 mi); Buffalo, MO (16 mi); Strafford, MO (16 mi); each population is a US Census Bureau estimate.
- Smaller places close by: Morrisville, MO (9 mi); Halfway, MO (11 mi); Walnut Grove, MO (15 mi) (US Census Bureau).
What a personal loan costs in Pleasant Hope
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Pleasant Hope
Each row below is a Missouri rule with its publisher and the date it was retrieved.
| 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 Pleasant Hope
Before you commit to a personal loan in Pleasant Hope, 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.