Richland at a glance
- Population: 1,736 — 261st in Missouri, which has 937 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 1,732 (US Census Bureau).
- 2020 to 2023 change: population rose about 0.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Missouri places: 261st out of 937 Census places (US Census Bureau).
- Size percentile: larger than about 72% of the Census places in Missouri (US Census Bureau).
- Coordinates: it sits at 37.8611, -92.3997 in the US Census Bureau Gazetteer.
- Nearest larger cities: Waynesville, MO (10 mi); St. Robert, MO (14 mi); Lebanon, MO (19 mi); Camdenton, MO (22 mi); Osage Beach, MO (23 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Stoutland, MO (7 mi); Crocker, MO (9 mi); Brumley, MO (16 mi) (US Census Bureau).
What a personal loan costs in Richland
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Missouri lending rules that apply in Richland
The Missouri rate caps and licensing rules that reach Richland are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Richland
Before you commit to a personal loan in Richland, 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.