Shoal Creek Estates at a glance
- Population: the Census estimates 107 residents, ranking 783rd of 937 places in Missouri (Vintage 2023).
- 2020 Census base: the 2020 count put the population at 105 (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 1.9% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 783rd largest of 937 (US Census Bureau).
- Size percentile: larger than about 16% of the Census places in Missouri (US Census Bureau).
- Coordinates: mapped at 37.0173, -94.4934 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Leawood, MO (1 mi); Saginaw, MO (1 mi); Redings Mill, MO (1 mi); Shoal Creek Drive, MO (2 mi); Joplin, MO (4 mi) (US Census Bureau populations).
- Nearest smaller communities: Cliff Village, MO (1 mi); Dennis Acres, MO (2 mi); Grand Falls Plaza, MO (3 mi), each a US Census place.
What a personal loan costs in Shoal Creek Estates
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Missouri lending rules that apply in Shoal Creek Estates
The table carries the Missouri rate and licensing rules that apply to consumer loans made in Shoal Creek Estates.
| 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 Shoal Creek Estates
Here is a short checklist for comparing personal loans in Shoal Creek Estates:
- 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.