Woodson Terrace at a glance
- Population: 3,871 — 166th in Missouri, which has 937 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 3,955 residents (US Census Bureau, 2020 Census).
- 2020 to 2023 change: down roughly 2.1% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Missouri places: 166th largest of 937 (US Census Bureau).
- Size percentile: roughly 82% of places in Missouri rank below it by population (US Census Bureau).
- Coordinates: latitude 38.7286, longitude -90.3600 (US Census Bureau Gazetteer).
- Nearest larger cities: Breckenridge Hills, MO (1 mi); St. John, MO (1 mi); St. Ann, MO (1 mi); Berkeley, MO (2 mi); Overland, MO (2 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Edmundson, MO (1 mi); Sycamore Hills, MO (2 mi); Charlack, MO (2 mi), each a US Census place.
What a personal loan costs in Woodson Terrace
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
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.
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 Woodson Terrace
The table carries the Missouri rate and licensing rules that apply to consumer loans made in Woodson Terrace.
| 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 Woodson Terrace
The order below is a sensible way to approach a loan in Woodson Terrace:
- 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.