Personal loans in Rosebud, MO
A lender serving Rosebud holds a Missouri licence and answers to a Missouri regulator; no city office is involved for its 396 residents. The Census counts 396 people in Rosebud, the 514th-largest figure among Missouri's 937 places.
Borrowers who want a bigger city can look to Gerald, MO about 4 miles away. The 2020 count to the 2023 estimate shows about 0.8% growth in Rosebud. Rate ceilings, licensing requirements and product limits for Rosebud are all set at the Missouri level. Use the calculator on this page to price an amount and term before you commit in Rosebud.
What the Census records for Rosebud
What follows is Rosebud's place in the Census record, alongside the Missouri rules that govern a personal loan made here.
- Population: a Census-estimated 396, 514th among Missouri's 937 places (Vintage 2023).
- Population trend: A gain of roughly 0.8% between 2020 and 2023.
- Change in people: the 2020-to-2023 comparison is a gain of about 3 residents.
- Size percentile: bigger than about 45% of the places in Missouri, with 396 residents in Rosebud.
- Density: the Census land area of 0.9 sq mi holds about 455 people per square mile.
- Land area: Rosebud covers 0.9 square miles, the 453rd-largest area among Missouri's 937 places.
- Within Missouri: about 0.0% of the state's population lives in Rosebud.
- National rank: Rosebud is 14,141st of 19,457 places nationwide.
- Growth rank: Rosebud's 2020-to-2023 change ranks 394th of 937 places in Missouri.
- Against the state trend: Rosebud's 0.8% change compares with a Missouri average of +0.8% across its 937 places.
- Density rank: Rosebud is the 672nd most densely settled place in Missouri.
- Against the state median: Rosebud runs about 455 residents per square mile, where the Missouri median is 743.
- Location: coordinates 38.3848, -91.4030 (US Census Bureau Gazetteer).
- Nearest larger cities: Gerald (4 mi); Owensville (6 mi); Bland (14 mi); Oak Grove Village (18 mi); Sullivan (18 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller places: Leslie (10 mi); West Sullivan (18 mi); St. Cloud (18 mi).
- Within a 50-mile radius: 33 smaller Census places.
- Larger places within 100 miles: 312.
Getting a loan in Rosebud
With about 455 residents per square mile, Rosebud is lightly settled, and 65 larger Census places sit within 50 miles. Lenders licensed in Missouri reach Rosebud's 396 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Gerald, MO about 4 miles away.
Where Rosebud sits in Missouri
Rosebud is the 514th-largest of 937 Census places in Missouri and contains about 0.0% of the state's people. Its 2020-to-2023 change ranks 394th of 937 Missouri places, putting it near the 58th percentile for growth. At about 455 people per square mile, Rosebud is the 672nd most densely settled place in Missouri. The population moved by about 3 people between 2020 and 2023, a 0.8% shift.
The Missouri lending rules that reach Rosebud
Every row below records a Missouri rule, its publisher and its retrieval date — the same rules a Rosebud lender must follow.
| 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 |
What shapes a Rosebud personal loan
In Rosebud, a small community of about 396, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. A lender serving Rosebud's 396 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Rosebud loan is knowable in advance — unlike a revolving card balance.
Rosebud: area, density and distance
Inside Rosebud's boundaries lie about 0.9 square miles of land, with no significant water area recorded. With 396 residents, the land area yields roughly 455 people per square mile. The state's population centre of gravity, Kansas City, is roughly 177 miles away. Counting outward 50 miles, 65 larger communities surround Rosebud. By land area it ranks 453rd of 937 Missouri places.
Common questions
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Nearby places
- Gerald, MO — population 1,342
- Owensville, MO — population 2,796
- Leslie, MO — population 135
- Bland, MO — population 504
- Bourbon, MO — population 1,529
- St. Cloud, MO — population 41
- West Sullivan, MO — population 280
- New Haven, MO — population 2,389