Syracuse at a glance
- Population: 159 (US Census Bureau, Vintage 2023 subcounty estimate), the 719th-largest of 937 places in Missouri.
- 2020 Census base: 153 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up roughly 3.9% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Missouri places: 719th in population of 937 places (US Census Bureau).
- Size percentile: it is larger than about 23% of the places in Missouri (US Census Bureau).
- Coordinates: mapped at 38.6696, -92.8763 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Tipton, MO (5 mi); Otterville, MO (7 mi); Bunceton, MO (9 mi); Clarksburg, MO (11 mi); Smithton, MO (12 mi) (US Census Bureau populations).
- Smaller towns nearby: Nelson, MO (24 mi); Franklin, MO (25 mi); Wooldridge, MO (25 mi) (US Census Bureau).
What a personal loan costs in Syracuse
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Pre-qualification is a good first filter: it shows the rate and amount a lender may offer before you agree to a full application and a hard inquiry.
Missouri lending rules that apply in Syracuse
The Missouri rate caps and licensing rules that reach Syracuse are listed below, each with its source and retrieval date.
| 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 Syracuse
Before you share your details with a lender in Syracuse:
- 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.