Tuscumbia at a glance
- Population: a Census-estimated 191, placing it 677th among Missouri's 937 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 187 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: roughly 2.1% higher than at the 2020 Census (US Census Bureau).
- Rank among Missouri places: 677th out of 937 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 28% of Missouri's Census places by population (US Census Bureau).
- Coordinates: latitude 38.2371, longitude -92.4600 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Lake Ozark, MO (10 mi); Eldon, MO (10 mi); St. Elizabeth, MO (11 mi); Osage Beach, MO (12 mi); Iberia, MO (14 mi) (US Census Bureau populations).
- Nearest smaller towns: Bagnell, MO (8 mi); Brumley, MO (10 mi); Olean, MO (13 mi) — US Census Bureau populations.
What a personal loan costs in Tuscumbia
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
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.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Missouri lending rules that apply in Tuscumbia
The table carries the Missouri rate and licensing rules that apply to consumer loans made in Tuscumbia.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Tuscumbia
The order below is a sensible way to approach a loan in Tuscumbia:
- 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.