Payday lending is legal in Columbia, Springfield, Joplin, City of Independence, Branson, Rolla, Neosho, Sikeston, and in nearby cities of Missouri and, as in all states, there are a few limitations. Generally, you must be 18 years of age, have an open checking account, be employed, and have a place of residence.
Missouri state laws place limits on:
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Complete our online application. It's quick, easy, and secure.
If you’re accepted you will be connected directly to your lender, usually within 90 seconds or less.
Cash is deposited in your account in as little as 1 business day.
The original loan amount & any fees will be debited from your bank account on the due day.
Yes, payday lenders offer online payday loans to people with poor credit all the time. It is more important to the lender to know what your income is and if you have a steady job and a checking account. This is because your ability to repay the loan is most directly affected if you have stable employment. One of the easiest ways to get started is to complete an online loan application and have your loan request referred to 100+ lenders to increase your chance for approval.
You may get up to $500 for an online payday loan in Missouri. You may only have one loan at a time in Missouri. You must repay your loan to apply for a new one.
No, payday loans are not issued with prepaid cards. Payday lenders require the ability to deposit your loan funds into your checking account and be paid back from the same account.
No, you need an active checking account to receive a payday loan.
All criminal actions are prohibited against consumers in Missouri for payday loan defaults.
You may be charged an NSF fee and you could face collections or legal actions (civil lawsuit) if you default on your loan. However, it is essential to note that six rollovers are officially allowed by state law and it is easy to work with your lender to rollover or adjust your loan to avoid default.
If you have questions about payday loans online be sure to ask your lender when you are talking with them about your loan. You are never obligated to accept a loan offer from any lender. Payday loans should only be used for emergencies and not for other expenses.
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