Theodosia at a glance
- Population: 200 residents, the 667th-largest of 937 places in Missouri (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 186 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 7.5% higher than at the 2020 Census (US Census Bureau).
- Rank among Missouri places: 667th by size among 937 communities (US Census Bureau).
- Size percentile: it exceeds roughly 29% of Missouri's Census places by population (US Census Bureau).
- Coordinates: 36.5799 latitude, -92.6646 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Gainesville, MO (13 mi); Bull Shoals, AR (15 mi); Lakeview, AR (16 mi); Diamond City, AR (16 mi); Lead Hill, AR (18 mi) (US Census Bureau populations).
- Nearest smaller towns: South Lead Hill, AR (19 mi); Zinc, AR (25 mi); Pyatt, AR (25 mi) (US Census Bureau).
What a personal loan costs in Theodosia
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Theodosia
The table carries the Missouri rate and licensing rules that apply to consumer loans made in Theodosia.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Theodosia
The steps below are worth completing first when you borrow in Theodosia:
- 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.