Payday Loans in Amity, Missouri

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No payday loan companies in Amity, MO. Consider companies in other cities:

Company nameAddressZip codePhone number
First State Community Bank 20 E School St, Bonne Terre, MO 63628 +1 (573) 358 - 3388
World Finance Corporation 320 N Main St, Maryville, MO 64468 +1 (660) 582 - 3243
Empire Finance 1001 Independence Ave, Kennett, MO 63857 +1 (573) 888 - 9599
A-1 Premium Acceptance 334 N Massey Blvd, Nixa, MO 65714 +1 (417) 724 - 2855
Empire Finance 121 S Broadview St #8, Cape Girardeau, MO 63703 +1 (573) 651 - 6576
World Finance 1100 Main St, Boonville, MO 65233 +1 (660) 882 - 2202
U.S. Bank Branch 120 S Prairie St, Bloomfield, MO 63825 +1 (573) 568 - 4559
Empire Financial of Perryville 1516 Edgemont Blvd, Perryville, MO 63775 +1 (573) 517 - 0105
TitleMax Title Secured Loans 1164 S Glenstone Ave, Springfield, MO 65804 +1 (417) 893 - 2050
Mike Joyner Fairway Independent Mortgage Corporation Branch Manager 101 N Maguire St Suite B, Warrensburg, MO 64093 +1 (660) 262 - 3170

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Amity, MO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Independence, MO, Emergency Loan in Jefferson City, MO, Payday Loans in Joplin, MO, Short-term Loans in Kansas City, MO, Payday Loans in Lee's Summit, MO, Payday Loans in Liberty, MO, Bad Credit Loans in Saint Charles, MO and Payday Loans in Saint Joseph, MO. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Amity, MO.

Payday Loans Available in Amity, MO By The Following ZIP Codes:

64422

Are Payday Loans Legal In Amity, Missouri?

Loan Rates and Fees, Laws and Regulations in Missouri.

Missouri Loan Regulations

Legal StatusLegal
Interest Rate (APR, %)443
Maximum Loan Amount$500 or less
Minimum Loan Term14 days
Maximum Loan Term31 days
Number of Rollovers Allowed6
Finance ChargesNo interest and fees in excess of 75% of the initial loan amount on any single loan

Amity, MO payday loan calculator

Payday Loans in Amity, Missouri: What You Need to Know

If you find yourself in a financial bind, payday loans can be a useful way to get fast cash. In Amity, Missouri, payday loans are legal, regulated, and can provide short-term financial relief for those who need it. But before you apply for a payday loan, it’s important to understand what they are, how they work, and how you can use them responsibly. In this article, we’ll cover all of that and more.

What Are Payday Loans?

Payday loans are a type of short-term loan that typically has a very high interest rate. They’re designed to help people who need quick access to cash to cover unexpected expenses, such as an emergency car repair or a medical bill. Payday loans are different from traditional bank loans, which typically require collateral and have a longer repayment period. With a payday loan, you’re borrowing a relatively small amount of money and agreeing to pay it back on your next payday, along with the interest and fees.

How Do Payday Loans Work in Amity, Missouri?

In Amity, Missouri, payday loans are legal and regulated by state law. To apply for a payday loan, you’ll need to provide personal information and proof of income, such as a pay stub or bank statement. Once you’re approved for a loan, you’ll receive cash or a check on the spot. The loan amount and fees will be due on your next payday, which is usually two to four weeks later. If you’re unable to repay the loan on time, you can ask for an extension, but this will typically come with additional fees and interest.

It’s important to note that payday loans in Amity, Missouri are subject to certain regulations and restrictions. For example, the maximum loan amount is $500, and lenders can charge no more than 75% in interest and fees. Also, borrowers can only take out one payday loan at a time and must wait at least 14 days before applying for a new loan.

How to Use Payday Loans Responsibly

While payday loans can be a helpful way to cover unexpected expenses, they also come with high interest rates and fees that can quickly add up. To avoid getting into debt, it’s important to use payday loans responsibly. This means borrowing only what you need and can afford to repay, and avoiding taking out multiple loans at once. It also means being aware of the terms and conditions of your loan, including the interest rate, fees, and repayment schedule.

If you’re struggling to make ends meet, there may be other options available to you besides payday loans. For example, you could look into getting a personal loan from a bank or credit union, or exploring government assistance programs in your area. These options may offer lower interest rates and more flexible repayment terms than payday loans.

Apply Now with TheGuaranteedLoans

If you’re in need of a payday loan in Amity, Missouri, TheGuaranteedLoans can help. We’re a connector service that works with a network of verified lenders to help you find the right loan for your needs. Our online application process is fast and easy, and you can get approved within minutes. Just fill out our simple application form, and we’ll match you with potential lenders who can offer you the cash you need. Remember, TheGuaranteedLoans is a connector service, not a direct lender, but we’re committed to helping you get the best loan possible. Apply now and get the cash you need!

Interesting Facts and Statistics

  • In 2018, the average payday loan amount in Missouri was $306
  • The average APR for a payday loan in Missouri is 447%, compared to an average credit card APR of 19%
  • According to the Consumer Financial Protection Bureau, more than 80% of payday loans are rolled over or renewed within two weeks
  • Payday loans are banned in 14 states and the District of Columbia

F.A.Q.

Are there any alternatives to payday loans in Amity, Missouri?

Yes, there are other options for short-term financial assistance, such as personal loans or credit cards. It is recommended to research and compare options before making a decision.

Are there any protections in place for borrowers in Amity, Missouri?

Yes, the Missouri Division of Finance regulates the payday lending industry and provides consumer protections, such as limits on loan amounts and fees.