Personal loans in Stotesbury, MO

Stotesbury is a small community in Missouri, with an estimated 13 residents, and every licensed lender here follows the same state rulebook. Roughly 13 residents live in Stotesbury, the 929th-largest community in Missouri.

By the Personalloaner Editorial Team · Last updated 2026-09-16

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Stotesbury's population held flat through the 2020-to-2023 comparison. A lender that serves Stotesbury operates under Missouri lending statutes and a Missouri supervisor. Read the disclosure for an origination fee and any prepayment penalty before signing in Stotesbury. Borrowers who want a bigger city can look to Richards, MO about 5 miles away.

Local context for Stotesbury

Only a few things actually differ by place — population, area, location, and the Missouri rules a lender must follow — and they are below.

Stotesbury's place among Missouri's 937 places

Against Missouri's other places, Stotesbury accounts for about 0.0% of the state's population and ranks 929th of 937 by size. On the 2020-to-2023 trend, Stotesbury stands 545th among Missouri's 937 places — roughly the 42th percentile. Its roughly 118 residents per square mile place it 899th among Missouri's places. Between 2020 and 2023 the count changed by roughly 0 residents.

Getting a loan in Stotesbury

Stotesbury is a lightly settled community of about 13 people, with 99 larger places inside a 50-mile radius. Distance to a branch rarely matters for Stotesbury's 13 residents: the application is online and the price follows your credit file. The nearest bigger place is Richards, MO about 5 miles away.

Land, water and location for Stotesbury

Stotesbury covers about 0.1 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. That land carries about 118 people per square mile. The largest place in Missouri, Kansas City, lies about 79 miles away. Stotesbury has 99 larger places within a 50-mile radius. Within the same 50 miles lie 0 smaller Census places.

Inside a Stotesbury personal loan

In Stotesbury, a small community of about 13, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Federal Truth in Lending rules require a Stotesbury lender to disclose the APR and finance charge before you sign. Because the payment is fixed, the total cost of a Stotesbury loan is knowable in advance — unlike a revolving card balance.

The Missouri lending rules that reach Stotesbury

Every row below records a Missouri rule, its publisher and its retrieval date — the same rules a Stotesbury lender must follow.

RuleDetailSource
State lending regulatorMissouri 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
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 statusLegal 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 we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Stotesbury if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Stotesbury is the same as anywhere in Missouri.
What loan size can I expect in Stotesbury?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Stotesbury?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Stotesbury cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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