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Personal loans in Union Star, MO

A lender serving Union Star holds a Missouri licence and answers to a Missouri regulator; no city office is involved for its 378 residents. Which products a lender may offer to Union Star's 378 residents follows from the Missouri consumer-lending framework. At about 378 residents, Union Star is larger than roughly 44% of the places in Missouri. Verify the lender's Missouri licence against the regulator named below before borrowing in Union Star. A 2020-to-2023 comparison shows Union Star down by about 0.8%. The next larger city is King City, MO about 6 miles away.

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

Compare loan offers Run the numbers first

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.

Union Star by the numbers

Union Star is a small community; the notes below cover its population profile and the statewide rules that apply.

What is available to Union Star borrowers

Union Star is a moderately settled community of about 378 people, with 47 larger places inside a 50-mile radius. Distance to a branch rarely matters for Union Star's 378 residents: the application is online and the price follows your credit file. The nearest bigger place is King City, MO about 6 miles away.

The Missouri lending rules that reach Union Star

The rows below set out what a licensed lender must follow in Missouri, and so for Union Star's roughly 378 residents.

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
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

How Union Star compares across Missouri

Within Missouri, Union Star holds roughly 0.0% of all residents, the 527th-largest share among 937 places. For population change between 2020 and 2023, Union Star ranks 613th of 937 in Missouri (about the 35th percentile). By density, at about 1,443 people per square mile, it ranks 142nd in Missouri. Within 50 miles sit 79 smaller Census places, alongside the 47 that are larger.

How personal loans work in Union Star

A Union Star personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 378 residents. Two numbers drive a Union Star loan: the APR, which includes fees, and the term, which decides how long you keep paying. Because the payment is fixed, the total cost of a Union Star loan is knowable in advance — unlike a revolving card balance.

The Union Star borrowing checklist

These steps shape the offer you get in Union Star, a place of about 378 people:

  1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
  2. Use the loan calculator to test the payment on your intended amount and term.
  3. Gather at least three pre-qualified offers and line up the APR, not the headline rate.
  4. Verify the lender's Missouri licence with the regulator listed on this page.
  5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
  6. Look for an origination fee or prepayment penalty in the written disclosure.
  7. Check that the monthly payment fits your budget next to your existing obligations.

What differs between Union Star and the rest of Missouri is not the process but the borrower's own file, among the 378 people here.

Compare personal loan offers Run the numbers first

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 Union Star 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 Union Star is the same as anywhere in Missouri.
What loan size can I expect in Union Star?
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 Union Star?
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 Union Star 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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