Shoal Creek Drive at a glance
- Population: roughly 366 people; 539th of 937 places in Missouri (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 360 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: about 1.7% more residents than the 2020 Census base (US Census Bureau).
- Rank among Missouri places: 539th largest of 937 (US Census Bureau).
- Size percentile: larger than about 42% of the Census places in Missouri (US Census Bureau).
- Coordinates: 37.0370 latitude, -94.5228 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Leawood, MO (1 mi); Joplin, MO (3 mi); Duquesne, MO (4 mi); Loma Linda, MO (5 mi); Galena, KS (7 mi) (US Census Bureau populations).
- Smaller places close by: Cliff Village, MO (1 mi); Grand Falls Plaza, MO (1 mi); Dennis Acres, MO (1 mi) (US Census Bureau).
What a personal loan costs in Shoal Creek Drive
A personal loan hands you a single sum and a repayment schedule of equal monthly installments over an agreed term.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Missouri lending rules that apply in Shoal Creek Drive
The sourced rows below are the rules a licensed lender must follow when lending in Missouri, and therefore in Shoal Creek Drive.
| 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 Shoal Creek Drive
The steps below are worth completing first when you borrow in Shoal Creek Drive:
- 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.