Stockton at a glance
- Population: 1,792 residents, the 256th-largest of 937 places in Missouri (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,685 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: an increase of about 6.4% since the 2020 count (US Census Bureau).
- Rank among Missouri places: 256th of 937 by population (US Census Bureau, Vintage 2023).
- Size percentile: it is larger than about 73% of the places in Missouri (US Census Bureau).
- Coordinates: it sits at 37.6969, -93.7959 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): El Dorado Springs, MO (17 mi); Bolivar, MO (22 mi); Lamar, MO (30 mi); Nevada, MO (32 mi); Willard, MO (35 mi) (US Census Bureau).
- Nearest smaller towns: Umber View Heights, MO (5 mi); Arcola, MO (11 mi); Fair Play, MO (13 mi) (US Census Bureau).
What a personal loan costs in Stockton
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Because the APR includes origination and finance charges, it is the honest comparison number; the personal loan calculator turns an APR and term into a monthly payment.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Missouri lending rules that apply in Stockton
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| 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 Stockton
Here is a short checklist for comparing personal loans in Stockton:
- 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.