Payday Loans in Barnett, Missouri

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

Company nameAddressZip codePhone number
Ardmore Finance Corp. 1348 NW Hwy 7, Blue Springs, MO 64014 +1 (816) 221 - 1393
Heights Finance Corporation 2102 N Bluff St, Fulton, MO 65251 +1 (573) 592 - 7711
Advance America 709 S Jefferson Ave, Lebanon, MO 65536 +1 (417) 533 - 3156
Greenlight Title Cash & Payday Loans 1207 S Bishop Ave, Rolla, MO 65401 +1 (573) 364 - 0092
Quick Cash 315 US-60, Republic, MO 65738 +1 (417) 732 - 7300
Title Cash of Missouri Inc 1047 Kingshighway, Rolla, MO 65401 +1 (573) 341 - 3667
Community Bank of Marshall 208 N Main St, Blackburn, MO 65321 +1 (660) 538 - 4301
Sun Loan Company 2903-C, W Broadway Blvd, Sedalia, MO 65301 +1 (660) 826 - 7971
Southern Bank 1292 Banning St, Marshfield, MO 65706 +1 (417) 859 - 1292
King of Kash - Rolla 1732 N Bishop Ave, Rolla, MO 65401 +1 (573) 308 - 3467

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Barnett, MO, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Independence, MO, Payday Loans in Jefferson City, MO, Payday Loans in Joplin, MO, Quick Loan in Kansas City, MO, Payday Loans in Lee's Summit, MO, Guaranteed Loans in Liberty, MO, Payday 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 Barnett, MO.

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

65011

Are Payday Loans Legal In Barnett, 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

Barnett, MO payday loan calculator

Payday Loans in Barnett, Missouri

If you’re in need of quick cash and live in Barnett, Missouri, payday loans could be a viable option for you. Payday loans, also known as cash advances or short-term loans, are widely available in Missouri and can provide fast relief for unexpected bills or emergencies.

How Payday Loans Work

Payday loans are a type of short-term borrowing meant to be paid back by the borrower’s next payday. The process is simple: the borrower writes a post-dated check or agrees to an electronic withdrawal from their bank account for the amount borrowed plus a fee. The lender then gives the borrower the cash they need, usually ranging from $100 to $500 depending on the lender and the borrower’s income.

It’s important to note that payday loans typically come with high fees and interest rates, making them a costly form of borrowing in the long run. That’s why it’s crucial to only use payday loans as a last resort and to never borrow more than you can afford to pay back.

The Legality of Payday Loans in Missouri

Payday loans are legal in Missouri, but with certain regulations in place to protect consumers. The Missouri Division of Finance regulates payday lenders in the state and requires them to follow several rules, including:

  • Lenders must be licensed by the state
  • Only one loan at a time is permitted
  • Loan amount cannot exceed $500
  • Interest and fees are capped at 75% of the loan amount ( APR of 1950% for a 14 day loan )
  • Payments cannot be more than 5% of the borrower’s gross monthly income

Pros and Cons of Payday Loans

Before obtaining a payday loan, it’s important to weigh the pros and cons to determine if it’s the right choice for your situation.

Pros:

  • Quick turnaround time for cash in hand
  • No credit check required
  • Easy to apply for and obtain

Cons:

  • High fees and interest rates
  • Can create a cycle of debt if not paid back on time
  • Not a long-term solution for financial troubles
  • May encourage overspending or living beyond your means

It’s important to remember that payday loans should not be used as a permanent solution to financial hardship. Instead, they should be used sparingly and with caution in emergency situations when no other options are available.

Interesting Facts and Statistics About Payday Loans in Barnett, Missouri

– According to the Missouri Division of Finance, in 2020, there were 1,078 licensed payday lenders in Missouri.
– The maximum loan amount in Missouri is $500 and the maximum loan term is 31 days.
– The average APR for payday loans in Missouri is 443%, which is higher than many other states in the U.S.
– In a survey conducted by Pew Charitable Trusts, 12% of Missouri adults reported taking out a payday loan in the past five years.

Apply Now with TheGuaranteedLoans

If you find yourself in a situation where you need a payday loan, TheGuaranteedLoans can help connect you with potential lenders. As a connector service and not a direct lender, we can facilitate the loan application process and help you find a lender that meets your needs. To start the process, simply fill out our online application and we’ll match you with the best lender for your situation.

Remember, payday loans should only be used as a last resort. Be sure to carefully read all loan terms and conditions before agreeing to borrow money, and only borrow what you can afford to pay back in a timely manner.

F.A.Q.

Can I file a complaint if I have a problem with a payday lender in Barnett, Missouri?

Yes, you can file a complaint with the Missouri Division of Finance.

Is there any support or assistance available for borrowers struggling to repay payday loans in Barnett, Missouri?

Yes, the Missouri Division of Finance offers resources and guidance for borrowers who are struggling with payday loan debt. Additionally, there are non-profit organizations and credit counseling services that offer assistance with debt management.