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Payday Loans in Missouri

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Missouri Payday Loans

Payday lending is legal in Columbia, Kansas, Springfield, Joplin, City of Independence, St. Louis, Branson, Cape Girardeau, Rolla, Neosho, St. Joseph, 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.

How do Payday Loans Work in Missouri

We simplified the process for payday loans in Missouri. Apply for your Missouri payday loan online in minutes, without driving around, tons of paperwork, and long waits.


Easy Application

Complete our online payday loan application in Missouri. It's quick, easy, and secure.


Fast Decision

If you’re accepted you will be connected directly to your lender, usually within 90 seconds or less.


Get Your Cash

Cash is deposited in your account in as little as 1 business day.


Repay Your Loan

The original loan amount & any fees will be debited from your bank account on the due day.

Eligibility Criteria for Payday Loans in Missouri

Eligibility for a payday loan does vary by state but Missouri is very similar to most states. But, again, ask your lender if you have any questions. Here are some of the basic criteria for getting Missouri payday loans:

  • 18 years of age or older
  • A legal resident of Missouri with a fixed address
  • Regular employment for the past 6 months
  • An active checking account
  • U.S. citizen or legal resident

Missouri Payday Loan FAQs

What is the statute of limitations on payday loans in Missouri?

Missouri state laws place limits on:

  • The amount of your loan: not to exceed $500
  • The number of loans you can have outstanding - 1
  • The length of your loan term: 14 - 31 days
  • The fees and costs that you can be charged per loan. No interest or fees to exceed 75% of the initial loan amount (this includes renewals)

How much can I get on a payday loan in Missouri?

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.

Can I get a payday loan in Missouri with bad credit?

Yes, payday lenders offer online payday loans in Missouri 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 120+ direct lenders to increase your chance for approval.

Can I get a MO payday loan with a prepaid card?

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.

Can you get a payday loan in Missouri without a bank account?

No, you need an active checking account to receive a payday loan.

Can you go to jail for not paying back a payday loan in MO?

All criminal actions are prohibited against consumers in Missouri for payday loan defaults.

What happens if I default on a payday loan in Missouri?

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 in Missouri 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.

Note: We are a referral source with more than a decade of service and 120+ direct lenders in our network to refer you to.



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