St. Cloud at a glance
- Population: roughly 41 people; 896th of 937 places in Missouri (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 42 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: down about 2.4% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 896th of the state's 937 Census places (US Census Bureau).
- Size percentile: larger than about 4% of the Census places in Missouri (US Census Bureau).
- Coordinates: 38.1732, -91.2128 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: West Sullivan, MO (2 mi); Bourbon, MO (3 mi); Sullivan, MO (4 mi); Oak Grove Village, MO (5 mi); Leasburg, MO (7 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller places: Charmwood, MO (10 mi); Three Creeks, MO (30 mi); Pendleton, MO (46 mi) (US Census Bureau estimates).
What a personal loan costs in St. Cloud
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Missouri lending rules that apply in St. Cloud
Read the table as the compliance picture for a lender serving St. Cloud: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in St. Cloud
Before you share your details with a lender in St. Cloud:
- 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.