Warsaw at a glance
- Population: 2,328, the 217th-largest community in Missouri out of 937 (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,213 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: population rose about 5.2% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Missouri places: 217th of 937 by population (US Census Bureau, Vintage 2023).
- Size percentile: larger than about 77% of the Census places in Missouri (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 38.2493, -93.3670.
- Nearest larger cities: Windsor, MO (21 mi); Clinton, MO (23 mi); Versailles, MO (31 mi); Sedalia, MO (32 mi); Village of Four Seasons, MO (36 mi); US Census Bureau population estimates.
- Smaller places nearby: Lincoln, MO (10 mi); Tightwad, MO (10 mi); Cole Camp, MO (17 mi), per US Census Bureau estimates.
What a personal loan costs in Warsaw
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total 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 Warsaw
Every figure in the table below is sourced to a publisher with a date; where a state does not publish a number, we say so rather than estimate.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Warsaw
The order below is a sensible way to approach a loan in Warsaw:
- 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.