Winfield at a glance
- Population: the Census estimates 1,602 residents, ranking 271st of 937 places in Missouri (Vintage 2023).
- 2020 Census base: the 2020 Census recorded 1,521 residents here (US Census Bureau).
- 2020 to 2023 change: an increase of about 5.3% since the 2020 count (US Census Bureau).
- Rank among Missouri places: 271st-largest of 937 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 71% of the places in Missouri (US Census Bureau).
- Coordinates: 38.9923, -90.7451 (US Census Bureau Gazetteer).
- Nearest larger cities: St. Paul, MO (10 mi); Moscow Mills, MO (10 mi); Troy, MO (12 mi); Elsberry, MO (12 mi); Wentzville, MO (14 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Foley, MO (4 mi); Old Monroe, MO (4 mi); Batchtown, IL (6 mi), each a US Census place.
What a personal loan costs in Winfield
Most personal loans are unsecured, meaning no collateral is pledged, and they are repaid in equal installments over a fixed term.
Compare offers on APR rather than the headline rate — the APR includes most fees, and you can model the total with our personal loan calculator.
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.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Missouri lending rules that apply in Winfield
The sourced rows below are the rules a licensed lender must follow when lending in Missouri, and therefore in Winfield.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Winfield
A few practical steps will make the process in Winfield less costly:
- 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.