Unionville at a glance
- Population: the Census estimates 1,709 residents, ranking 266th of 937 places in Missouri (Vintage 2023).
- 2020 Census base: 1,727 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a loss of about 1.0% since the 2020 count (US Census Bureau).
- Rank among Missouri places: 266th-largest of 937 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it exceeds roughly 72% of Missouri's Census places by population (US Census Bureau).
- Coordinates: mapped at 40.4757, -93.0044 by the US Census Bureau Gazetteer.
- Nearest larger cities: Centerville, IA (19 mi); Milan, MO (20 mi); Kirksville, MO (30 mi); Bloomfield, IA (36 mi); Albia, IA (39 mi) (Census populations, approximate straight-line distance).
- Smaller towns nearby: Pollock, MO (9 mi); Cincinnati, IA (12 mi); Numa, IA (15 mi) (US Census Bureau).
What a personal loan costs in Unionville
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Missouri lending rules that apply in Unionville
Read the table as the compliance picture for a lender serving Unionville: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Unionville
Run through this list before signing anything in Unionville:
- 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.