Warrenton at a glance
- Population: 9,298 residents, the 83rd-largest of 937 places in Missouri (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 8,448 (US Census Bureau).
- 2020 to 2023 change: about 10.1% more residents than the 2020 Census base (US Census Bureau).
- Rank among Missouri places: 83rd-largest of 937 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: larger than about 91% of the Census places in Missouri (US Census Bureau).
- Coordinates: it sits at 38.8191, -91.1379 in the US Census Bureau Gazetteer.
- Nearest larger cities: Troy, MO (14 mi); Wentzville, MO (14 mi); Lake St. Louis, MO (19 mi); Washington, MO (20 mi); O'Fallon, MO (23 mi); US Census Bureau population estimates.
- Nearest smaller towns: Truesdale, MO (1 mi); Pendleton, MO (5 mi); Wright City, MO (6 mi) — US Census Bureau populations.
What a personal loan costs in Warrenton
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 advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
A longer repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Missouri lending rules that apply in Warrenton
The Missouri rate caps and licensing rules that reach Warrenton are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Warrenton
Before you commit to a personal loan in Warrenton, 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.