Sedgewickville at a glance
- Population: 188 people, the 681st-largest place among Missouri's 937 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 189 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: about 0.5% lower than the 2020 Census base (US Census Bureau).
- Rank among Missouri places: 681st in population of 937 places (US Census Bureau).
- Size percentile: it is larger than about 27% of the places in Missouri (US Census Bureau).
- Coordinates: latitude 37.5146, longitude -89.9060 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Oak Ridge, MO (10 mi); Perryville, MO (15 mi); Marble Hill, MO (15 mi); Jackson, MO (17 mi); Frohna, MO (18 mi) (US Census Bureau populations).
- Smaller places close by: Old Appleton, MO (12 mi); Longtown, MO (13 mi); Pocahontas, MO (15 mi) (US Census Bureau).
What a personal loan costs in Sedgewickville
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Missouri lending rules that apply in Sedgewickville
The sourced rows below are the rules a licensed lender must follow when lending in Missouri, and therefore in Sedgewickville.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Sedgewickville
Run through this list before signing anything in Sedgewickville:
- 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.