Urich at a glance
- Population: 473 residents, the 479th-largest of 937 places in Missouri (US Census Bureau, Vintage 2023).
- 2020 Census base: 465 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: a gain of roughly 1.7% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Missouri places: 479th of 937 by population (US Census Bureau, Vintage 2023).
- Size percentile: about 49% of Missouri's Census places are smaller (US Census Bureau).
- Coordinates: mapped at 38.4604, -93.9990 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Garden City, MO (13 mi); Clinton, MO (14 mi); Holden, MO (17 mi); Leeton, MO (18 mi); Appleton City, MO (19 mi) (US Census Bureau populations).
- Nearest smaller communities: Creighton, MO (5 mi); Blairstown, MO (7 mi); Chilhowee, MO (12 mi) (Census populations).
What a personal loan costs in Urich
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest 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 Urich
The sourced rows below are the rules a licensed lender must follow when lending in Missouri, and therefore in Urich.
| 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 Urich
Before you commit to a personal loan in Urich, work through these steps:
- 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.