Wilbur Park at a glance
- Population: a Census-estimated 423, placing it 498th among Missouri's 937 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 433 residents at the 2020 Census (US Census Bureau, 2020 count).
- 2020 to 2023 change: a loss of about 2.3% since the 2020 count (US Census Bureau).
- Rank among Missouri places: 498th of the state's 937 Census places (US Census Bureau).
- Size percentile: roughly 47% of places in Missouri rank below it by population (US Census Bureau).
- Coordinates: 38.5532 latitude, -90.3087 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Bella Villa, MO (1 mi); Lakeshire, MO (2 mi); Marlborough, MO (2 mi); Grantwood Village, MO (2 mi); Shrewsbury, MO (3 mi); each population is a US Census Bureau estimate.
- Nearest smaller towns: East Carondelet, IL (4 mi); Huntleigh, MO (7 mi); Sauget, IL (9 mi) — US Census Bureau populations.
What a personal loan costs in Wilbur Park
A personal loan is structured as an installment plan, with a set number of monthly payments and a fixed amount due each time.
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 Wilbur Park
The Missouri rate caps and licensing rules that reach Wilbur Park 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 Wilbur Park
These steps are the ones that most affect the offer you receive in Wilbur Park:
- 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.