Missouri Cash Advance and Payday Loans

What are the minimum requirements to apply for a payday loan?

  • 18 years of age or older
  • U.S. Citizenship Valid checking or savings account with direct deposit
  • Regular income of at least $1,000 per month
  • Not a regular or reserve member of the Army, Navy, Marine Corps, Air Force, or Coast Guard (or a dependent thereof), serving on active duty under a call or order that does not specify a period of 30 days or fewer

Are you looking for an online payday loan in Missouri? Submit the easy form and if approved we can connect to dozens of lenders that may be able to lend you up to $1,000!

 

 

The basics of how payday loans work.

If you have found yourself in a financially tough spot, it can be overwhelming trying to figure out how you are going to manage your way through it. Luckily, payday loans serve as a wonderful guide to help navigate individuals through an economic crisis. They can prove to be especially helpful to those with bankruptcy on their credit score or to those with bad credit or none at all. Payday loan lenders do not require a credit check in order to dictate approval. Rather, the borrower’s pay check serves as collateral to ensure the payday loan will be repaid upon the upcoming pay date; thus the name ‘payday loan.’

The information below provides a quick overview of commonly asked questions people often have regarding payday loans.

What is a payday loan?
A payday loan is a loan offered on a short-term basis, typically set to be repaid upon the borrower’s next pay date.

How long does it take to get a payday loan in Missouri?
Payday loans are designed to be quick in all aspects. In most cases, the application takes only a matter of minutes to complete. The approval process and transfer of your loan is done in just a few short hours; most people are able to access their payday loan by the following business day.

How much money can I borrow?
The amount of money you may borrow is dependent on a number of factors. In any case, it is advised that you figure how much you need beforehand to avoid taking out more than you need. This will save you from having to pay interest on money that you don’t need to borrow.

When does my payday loan need to be repaid?
Payday loans are usually set to be repaid upon the borrower receiving their next paycheck, thus the name ‘payday loan.’ However, if more time is needed to gather the money to repay the loan, lenders do allow an extension or rollover of the payday loan. The laws regarding rollovers vary by state so make sure to check your local laws beforehand.

I have been rejected by other lenders in Missouri, why will I be approved for a payday loan?
Many people who apply for credit cards or large loans from banks or other lending institutions find it harder to be approved for a loan. In most instances, their credit score plays a major influence when factoring in a customer’s credit worthiness. However, payday loans do not require a credit check so many people who have struggles securing a loan elsewhere often find approval with payday loans. Due to the short turnaround of payday loans, the borrower’s paycheck serves as collateral on the loan so no credit check needs to be performed.

We cover following cities in Missouri:

Advance
Affton
Albany
Archie
Arnold
Ash Grove
Ashland
Aurora
Ava
Ballwin
Barnhart
Battlefield
Belle
Bellefontaine Neighbors
Bel-Ridge
Belton
Berkeley
Bernie
Bethany
Black Jack
Blue Springs
Bolivar
Bonne Terre
Boonville
Bourbon
Bowling Green
Branson
Breckenridge Hills
Bridgeton
Brookfield
Buckner
Buffalo
Butler
Byrnes Mill
Cabool
Camdenton
Cameron
Canton
Cape Girardeau
Carl Junction
Carrollton
Carthage
Caruthersville
Cassville
Castle Point
Centralia
Chaffee
Charlack
Charleston
Chesterfield
Chillicothe
Clarkson Valley
Clarkton
Claycomo
Clayton
Clever
Clinton
Cole Camp
Columbia
Concord
Concordia
Cool Valley
Cottleville
Crane
Crestwood
Creve Coeur
Crocker
Crystal City
Cuba
Dardenne Prairie
Dellwood
Desloge
De Soto
Des Peres
Dexter
Dixon
Doe Run
Doe Run
Doniphan
Duenweg
Duquesne
East Prairie
Eldon
El Dorado Springs
Ellisville
Elsberry
Eureka
Excelsior Springs
Fair Grove
Farmington
Fayette
Fenton
Ferguson
Festus
Florissant
Forsyth
Fredericktown
Frontenac
Fulton
Gerald
Gideon
Gladstone
Glasgow Village
Goodman
Gower
Grain Valley
Granby
Grandview
Gray Summit
Greenfield
Green Park
Greenwood
Hallsville
Hanley Hills
Hannibal
Harrisonville
Hayti
Hazelwood
Herculaneum
Hermann
Higginsville
High Ridge
Hillsboro
Hillsdale
Holden
Hollister
Holts Summit
Horine
Houston
Humansville
Imperial
Independence
Ironton
Jackson
Jefferson City
Jennings
Joplin
Kahoka
Kansas City
Kearney
Kennett
Kimberling City
King City
Kirksville
Kirkwood
Knob Noster
LaBarque Creek
Ladue
Lake Lotawana
Lakeshire
Lake St. Louis
Lake Winnebago
Lamar
Lathrop
Lawson
Leadwood
Lebanon
Lee's Summit
Lemay
Lexington
Liberty
Licking
Lilbourn
Linn
Lone Jack
Macon
Manchester
Maplewood
Marceline
Marionville
Marshall
Marshfield
Marthasville
Maryland Heights
Maryville
Mehlville
Merriam Woods
Mexico
Moberly
Moline Acres
Monett
Monroe City
Montgomery City
Mound City
Mountain Grove
Mountain View
Mount Vernon
Murphy
Neosho
New Franklin
New Madrid
Nixa
Noel
Normandy
Northwoods
Oak Grove
Oakville
Odessa
O'Fallon
Old Jamestown
Olivette
Oran
Oronogo
Osage Beach
Overland
Owensville
Ozark
Pacific
Pagedale
Palmyra
Paris
Park Hills
Parkville
Peculiar
Perryville
Pevely
Piedmont
Pierce City
Pine Lawn
Platte City
Plattsburg
Pleasant Hill
Pleasant Valley
Poplar Bluff
Potosi
Raymore
Raytown
Republic
Richland
Richmond
Richmond Heights
Riverview
Rock Hill
Rock Port
Rogersville
Rolla
Salem
Sappington
Sarcoxie
Savannah
Scott City
Sedalia
Seneca
Shelbina
Shell Knob
Shrewsbury
Sikeston
Slater
Smithville
Spanish Lake
Springfield
Stanberry
St. Ann
St. Charles
St. Clair
Steele
Steelville
Ste. Genevieve
St. James
St. John
St. Joseph
St. Louis
St. Martins
Stockton
Stover
St. Peters
Strafford
St. Robert
Sugar Creek
Sullivan
Sunset Hills
Sweet Springs
Tarkio
Terre du Lac
Thayer
Tipton
Trenton
Troy
Union
Unionville
University City
Valley Park
Vandalia
Velda City
Versailles
Villa Ridge
Vinita Park
Wardsville
Warrensburg
Warrenton
Warsaw
Warson Woods
Waynesville
Weatherby Lake
Webb City
Webster Groves
Weldon Spring
Wellston
Wentzville
Weston
West Plains
Wildwood
Willard
Willow Springs
Winchester
Winona
Woodson Terrace
Wright City