General Usury Rate and Market Rate

The commissioner of the Division of Finance is required by Section 408.030.3 RSMo to determine the market rate for usury and to publish it. The rate is generally published approximately three weeks prior to the beginning of each calendar quarter.

The market rate for interest under Section 408.030.3 shall be 7.81 percent for the period January 1, 2025 to March 31, 2025; as an alternative, lenders may charge the usury rate of 10 percent.

Missouri historic market rates

2025

  • 1/1 to 3/31 - 7.81%

2024

  • 1/1 to 3/31 - 7.81%        4/1 to 6/30 - 7.47%    7/1 to 9/30 - 7.68%      10/1 to 12/31 - 7.21%

2023

  • 1/1 to 3/31 - 7.19%        4/1 to 6/30 - 6.91%    7/1 to 9/30 - 6.92%      10/1 to 12/31 - 7.40%

2022

  • 1/1 to 3/31 - 4.91%        4/1 to 6/30 - 5.28%    7/1 to 9/30 - 6.20%      10/1-12/31 - 6.28%

2021

  • 1/1 to 3/31 - 4.41%        4/1 to 6/30 - 4.81%    7/1 to 9/30 - 5.21%      10/1-12/31 - 4.81%

2020

  • 1/1 to 3/31 - 5.20%        4/1 to 6/30 - 4.89%    7/1 to 9/30- 4.23%      10/1-12/31 - 4.19%

2019

  • 1/1 to 3/31 - 6.32%        4/1 to 6/30 - 5.95%    7/1 to 9/30 - 5.72%       10/1 to 12/31 - 5.06%

2018

  • 1/1 to 3/31 - 5.68%        4/1 to 6/30 - 6.07%    7/1 to 9/30 - 6.09%       10/1 to 12/31 - 6.01% 

2017

  • 1/1 to 3/31 - 5.7%        4/1 to 6/30 - 5.9%        7/1 to 9/30- 5.9%         10/1 to 12/31 - 5.64% 

2016

  • 1/1 to 3/31 - 5.8%        4/1 to 6/30 - 5.3%        7/1 to 9/30 - 5.4%       10/1 to 12/31 - 5.0%

2015

  • 1/1 to 3/31 - 5.8%        4/1 to 6/30 - 5.4%       7/1 to 9/30 - 5.7%       10/1 to 12/31 - 5.6%

2014

  • 1/1 to 3/31 - 6.5%        4/1 to 6/30 - 6.4%       7/1 to 9/30 - 6.1 %      10/1 to 12/31 - 5.9%

2013

  • 1/1 to 3/31 - 5.4 %       4/1 to 6/30 - 5.8 %      7/1 to 9/30 - 5.7 %      10/1 to 12/31 - 6.5%

2012

  • 1/1 to 3/31 - 5.7 %       4/1 to 6/30 - 5.7%       7/1 to 9/30 - 5.5%       10/1 to 12/31 - 5.4%

2011

  • 1/1 to 3/31 - 6.6 %       4/1 to 6/30 - 7.3%       7/1 to 9/30 - 6.9%      10/1 to 12/31 - 6.2%

2010

  • 1/1 to 3/31 - 7.1%       4/1 to 6/30 - 7.3%       7/1 to 9/30 - 7.0%       10/1 to 12/31 - 6.4%

2009

  • 1/1 to 3/31 - 7.2%       4/1 to 6/30 - 6.7%       7/1 to 9/30 - 7.1%       10/1 to 12/31 - 7.2%

2008

  • 1/1 to 3/31 - 7.5%       4/1 to 6/30 - 7.3%       7/1 to 9/30 - 7.5%       10/1 to 12/31 - 7.4%

2007

  • 1/1 to 3/31 - 7.8%       4/1 to 6/30 - 7.9%       7/1 to 9/30 - 7.9%       10/1 to 12/31 - 8.0%

2006

  • 1/1 to 3/31 - 7.8%       4/1 to 6/30 - 7.7%       7/1 to 9/30 - 8.3%       10/1 to 12/31 - 8.0%

2005

  • 1/1 to 3/31 - 7.7%       4/1 to 6/30 - 7.5%       7/1 to 9/30 - 7.5%       10/1 to 12/31 - 7.5%

2004

  • 1/1 to 3/31 - 8.0%       4/1 to 6/30 - 7.8%       7/1 to 9/30 - 8.3%       10/1 to 12/31 - 7.9%

2003

  • 1/1 to 3/31 - 7.9%       4/1 to 6/30 - 7.7%       7/1 to 9/30 - 7.4%       10/1 to 12/31- 8.2%

2002

  • 1/1 to 3/31 - 8.3%       4/1 to 6/30 - 8.6%       7/1 to 9/30 - 8.8%       10/1 to 12/31- 8.1%

2001

  • 1/1 to 3/31 - 8.9%       4/1 to 6/30 - 8.6%       7/1 to 9/30 - 8.9%       10/1 to 12/31 - 8.6%

2000

  • 1/1 to 3/31 - 9.4%       4/1 to 6/30 - 9.5%       7/1 to 9/30 - 9.5%       10/1 to 12/31 - 9.0%

1999

  • 1/1 to 3/31 - 8.3%       4/1 to 6/30 - 8.4%       7/1 to 9/30 - 8.8%       10/1 to 12/31 - 9.1%

1998

  • 1/1 to 3/31 - 9.2%       4/1 to 6/30 - 8.9%       7/1 to 9/30 - 9.0%       10/1 to 12/31 - 8.6%

1997

  • 1/1 to 3/31 - 9.6%       4/1 to 6/30 - 9.8%       7/1 to 9/30 - 10.0%       10/1 to 12/31 - 9.6%

1996

  • 1/1 to 3/31 - 9.3%       4/1 to 6/30 - 9.3%       7/1 to 9/30 - 10.1%       10/1 to 12/31 - 9.9%

1995

  • 1/1 to 3/31 - 11.2%       4/1 to 6/30 - 10.7%       7/1 to 9/30 - 10.0%       10/1 to 12/31 - 9.9%

1994

  • 1/1 to 3/31 - 9.3%       4/1 to 6/30 - 9.4%       7/1 to 9/30 - 10.5%       10/1 to 12/31 - 10.6%

1993

  • 1/1 to 3/31 - 10.4%       4/1 to 6/30 - 9.9%       7/1 to 9/30 - 9.7%       10/1 to 12/31 - 9.2%

1992

  • 1/1 to 3/31 - 10.8%       4/1 to 6/30 - 10.8%       7/1 to 9/30 - 10.8%       10/1 to 12/31 - 10.2%

1991

  • 1/1 to 3/31 - 11.6%       4/1 to 6/30 - 11.1%       7/1 to 9/30 - 11.3%       10/1 to 12/31 - 11.2%

1990

  • 1/1 to 3/31 - 11.0%       4/1 to 6/30 - 11.7%       7/1 to 9/30 - 11.9%       10/1 to 12/31 - 12.0%

1989

  • 1/1 to 3/31 - 12.1%       4/1 to 6/30 - 12.2%       7/1 to 9/30 - 12.0%       10/1 to 12/31 - 11.3%

1988

  • 1/1 to 3/31 - 12.0%       4/1 to 6/30 - 11.4%       7/1 to 9/30 - 12.2%       10/1 to 12/31 - 12.3%

1987

  • 1/1 to 3/31 - 10.8%       4/1 to 6/30 - 10.7%       7/1 to 9/30 - 11.8%       10/1 to 12/31 - 12.0%

1986

  • 1/1 to 3/31 - 13.1%       4/1 to 6/30 - 12.1%       7/1 to 9/30 - 11.1%       10/1 to 12/31 - 10.7%

1985

  • 1/1 to 3/31 - 14.3%       4/1 to 6/30 - 14.4%       7/1 to 9/30 - 14.0%       10/1 to 12/31 - 13.6%

1984

  • 1/1 to 3/31 - 14.3%       4/1 to 6/30 - 14.4%       7/1 to 9/30 - 15.9%       10/1 to 12/31 - 15.2%

1983

  • 1/1 to 3/31 - 13.2%       4/1 to 6/30 - 13.6%       7/1 to 9/30 - 13.2%       10/1 to 12/31 - 14.4%

1982

  • 1/1 to 3/31 - 15.7%       4/1 to 6/30 - 16.6%       7/1 to 9/30 - 15.7%       10/1 to 12/31 - 15.2%

1981

  • 1/1 to 3/31 - 14.8%       4/1 to 6/30 - 15.2%       7/1 to 9/30 - 16.0%       10/1 to 12/31 - 16.6%

1980

  • 1/1 to 3/31 - 12.8%       4/1 to 6/30 - 14.6%       7/1 to 9/30 - 12.8%       10/1 to 12/31 - 13.5%

1979

  • 1/1 to 3/31 - Unknown       4/1 to 6/30 - Unknown       7/3 to 9/30 - 11.6%       10/1 to 12/31 - 11.4%