Rocheport at a glance
- Population: 210 people, the 654th-largest place among Missouri's 937 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 202 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 4.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 654th of the state's 937 Census places (US Census Bureau).
- Size percentile: about 30% of places in Missouri are smaller (US Census Bureau).
- Coordinates: 38.9782, -92.5635 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Windsor Place, MO (8 mi); Boonville, MO (10 mi); New Franklin, MO (10 mi); Prairie Home, MO (11 mi); Harrisburg, MO (13 mi); US Census Bureau population estimates.
- Smaller places close by: Wooldridge, MO (5 mi); Huntsdale, MO (6 mi); McBaine, MO (9 mi) (US Census Bureau).
What a personal loan costs in Rocheport
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Missouri lending rules that apply in Rocheport
Each row below is a Missouri rule with its publisher and the date it was retrieved.
| 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 Rocheport
The steps below are worth completing first when you borrow in Rocheport:
- 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.