Weatherby Lake at a glance
- Population: 2,111, the 231st-largest community in Missouri out of 937 (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 2,078 residents here (US Census Bureau).
- 2020 to 2023 change: an increase of about 1.6% since the 2020 count (US Census Bureau).
- Rank among Missouri places: 231st-largest of 937 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: about 75% of places in Missouri are smaller (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 39.2344, -94.6961.
- Nearest larger cities (within 120 miles): Parkville, MO (1 mi); Riverside, MO (5 mi); Gladstone, MO (7 mi); Kansas City, KS (8 mi); Platte City, MO (9 mi) (US Census Bureau populations).
- Smaller places nearby: Platte Woods, MO (2 mi); Lake Waukomis, MO (3 mi); Houston Lake, MO (5 mi), per US Census Bureau estimates.
What a personal loan costs in Weatherby Lake
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Missouri lending rules that apply in Weatherby Lake
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Weatherby Lake
The steps below are worth completing first when you borrow in Weatherby Lake:
- 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.