Wyaconda at a glance
- Population: 209 residents, the 657th-largest of 937 places in Missouri (US Census Bureau, Vintage 2023).
- 2020 Census base: 212 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: about 1.4% below the 2020 Census base (US Census Bureau).
- Rank among Missouri places: the 657th-largest of 937 (US Census Bureau, 2023 estimate).
- Size percentile: it is larger than about 30% of the places in Missouri (US Census Bureau).
- Coordinates: 40.3922 / -91.9261, per the US Census Bureau Gazetteer.
- Nearest larger cities: Kahoka, MO (11 mi); Memphis, MO (14 mi); Wayland, MO (18 mi); Cantril, IA (19 mi); La Belle, MO (19 mi), each a US Census place with its estimated population.
- Smaller towns nearby: Luray, MO (5 mi); South Gorin, MO (6 mi); Granger, MO (6 mi) (US Census Bureau).
What a personal loan costs in Wyaconda
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The number to compare is the APR, not the interest rate, because the APR folds in origination fees and other charges; our personal loan calculator will show what a given amount and term would cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Missouri lending rules that apply in Wyaconda
The table lists the Missouri rules that apply to a loan made in Wyaconda, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Wyaconda
Here is a short checklist for comparing personal loans in Wyaconda:
- 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.