Warrensburg at a glance
- Population: 19,673 people, the 37th-largest place among Missouri's 937 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 19,324 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: an increase of about 1.8% since the 2020 count (US Census Bureau).
- Rank among Missouri places: the 37th-largest of 937 (US Census Bureau, 2023 estimate).
- Size percentile: it exceeds roughly 96% of Missouri's Census places by population (US Census Bureau).
- Coordinates: 38.7624, -93.7253 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Sedalia, MO (27 mi); Blue Springs, MO (34 mi); Lee's Summit, MO (37 mi); Raymore, MO (40 mi); Independence, MO (40 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Centerview, MO (7 mi); Knob Noster, MO (9 mi); Leeton, MO (12 mi) (US Census Bureau).
What a personal loan costs in Warrensburg
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
APR, not the simple interest rate, reflects what the loan actually costs once fees are included; the personal loan calculator puts a figure on it.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Missouri lending rules that apply in Warrensburg
The sourced rows below are the rules a licensed lender must follow when lending in Missouri, and therefore in Warrensburg.
| 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 Warrensburg
Run through this list before signing anything in Warrensburg:
- 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.