Payday Loans in Curryville, Missouri

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

Company nameAddressZip codePhone number
United States Postal Service 101 W First St, Schell City, MO 64783 +1 (800) 275 - 8777
Sigrist & Associates PC 502 S 39th St, Bethany, MO 64424 +1 (660) 425 - 6376
Mid America Bank 101 A East, 3rd St, Meta, MO 65058 +1 (573) 229 - 4256
Missouri Title Loans, Inc. 2123 W Broadway Blvd, Sedalia, MO 65301 +1 (660) 829 - 1613
AAMCO Transmissions & Total Car Care 3875 W Outer Rd, Arnold, MO 63010 +1 (636) 496 - 8685
O'Bannon Bank 1347 S Ash St, Buffalo, MO 65622 +1 (417) 345 - 2251
World Finance 1232 Independence Ave, Kennett, MO 63852 +1 (573) 888 - 8882
Empire Financial of Perryville 1516 Edgemont Blvd, Perryville, MO 63775 +1 (573) 517 - 0105
LendNation 818 S Limit Ave, Sedalia, MO 65301 +1 (660) 827 - 9800
123Dough.com 729 N Scott Ave, Belton, MO 64012 +1 (816) 322 - 3909

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Curryville, MO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Ballwin, MO, Quick Loan in Blue Springs, MO, Payday Loans in Cape Girardeau, MO, Payday Loans in Chesterfield, MO, Payday Loans in Columbia, MO, Payday Loans in Florissant, MO, Same Day Loans in Independence, MO and Online Loans in Jefferson City, 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 Curryville, MO.

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

63339

Are Payday Loans Legal In Curryville, 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

Curryville, MO payday loan calculator

Payday Loans in Curryville, Missouri – Everything You Need to Know

Payday loans have become increasingly popular as more and more Americans find themselves strapped for cash. These short-term loans can be a lifesaver when an unexpected expense arises, and you need money fast. But taking out a payday loan can also be risky, especially if you don’t understand the terms of the loan or the laws in your state.

In this article, we will take a detailed look at payday loans in Curryville, Missouri, where they are legal and regulated. We’ll explore how payday loans work, the legal options available to consumers in Missouri, and the potential risks of taking out a payday loan.

What is a payday loan?

A payday loan, also called a cash advance or paycheck advance, is a short-term loan that is typically due on your next payday. Payday loans are usually for small amounts, typically ranging from $100 to $500, but can be as high as $1,000.

The process of obtaining a payday loan is relatively simple. You submit an application, usually online, and provide information about your income, employment, and bank account. Often, payday lenders require proof of employment, such as a pay stub, and proof of identity. You then receive the loan amount, which is deposited directly into your bank account, and you agree to repay the loan plus fees on your next payday.

The legal options for payday loans in Missouri

In Missouri, payday loans are legal and regulated by state law. Here are some of the key details you need to know:

  • Payday loans are legal in Missouri, but there are regulations in place to protect consumers. Missouri law caps the interest rate on payday loans at 75 percent and prohibits lenders from charging more than $75 in fees for a $100 loan.
  • Missouri law also requires lenders to provide borrowers with a written agreement, outlining the terms of the loan, including the interest rate and fees.
  • While payday loans are legal in Missouri, they are not without risk. Payday loans can be expensive, and if you’re unable to repay the loan on time, you may be subject to additional fees and charges. Additionally, taking out multiple payday loans in a short period can quickly lead to debt, making it difficult to get back on track financially.
  • Missouri law also provides a grace period of up to 60 days if a borrower is unable to repay the loan on time. This grace period allows the borrower to arrange a repayment plan with the lender and avoid additional fees and charges.

The Risks of Payday Loans

While payday loans can be a lifeline in an emergency, they do come with risks. Here are the most significant risks to watch out for:

  • High interest rates and fees: Payday loans can be expensive, with interest rates that can exceed 500 percent. This means that if you borrow $100, you may owe as much as $500 in interest and fees.
  • Debt traps: If you’re unable to repay the loan on time, you may be subject to additional fees and charges, which can quickly add up. Rolling over your loan or taking out multiple loans in a short period can lead to a cycle of debt.
  • Unscrupulous lenders: Some payday lenders engage in predatory practices, such as charging excessive fees or ignoring the law’s requirements. It’s essential to research your chosen lender thoroughly.

Interesting Facts about Payday Loans in Curryville, Missouri

  • In 2010, Missourians took out over 2.43 million payday loans, totaling nearly $957 million in loan volume.
  • The average payday loan borrower in Missouri takes out eight loans per year, with an average loan amount of $307.
  • In 2017, Missouri lawmakers attempted to pass legislation that would limit interest rates on payday loans to 36 percent, but the bill failed to pass.

Apply Now

Need a payday loan in Curryville, Missouri? TheGuaranteedLoans can help connect you with a lender. To apply, simply fill out our online application, and we’ll work to match you with a lender in our network. Remember, TheGuaranteedLoans is a connection service, not a direct lender.

If you’re considering a payday loan, it’s essential to understand the terms of the loan, the risks involved, and the legal options available to you. By doing your research and choosing a reputable lender, you can get the money you need while protecting yourself from financial harm.

F.A.Q.

Can I have multiple payday loans at the same time in Curryville, Missouri?

No, Missouri law prohibits borrowers from having more than one payday loan at a time. Borrowers must pay off their current payday loan before taking out another one.

Are there any restrictions on how many payday loans a borrower can take out in Curryville, Missouri?

Yes, borrowers in Curryville, Missouri are limited to a maximum of four payday loans per year.