Payday Loans in Durham, Missouri

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

Company nameAddressZip codePhone number
World Finance 330 Rte 291, Liberty, MO 64068 +1 (816) 415 - 8300
First National Bank 109 MO-162, Clarkton, MO 63837 +1 (573) 448 - 3543
Citizens Bank of Rogersville 1001 W Center St, Rogersville, MO 65742 +1 (417) 753 - 2836
First State Community Bank 112 W McClurg St, Richland, MO 65556 +1 (573) 765 - 3221
Bloomsdale Bank 55 Mill Hill Rd, Bloomsdale, MO 63627 +1 (573) 483 - 2514
First National Bank 1335 US-54, Camdenton, MO 65020 +1 (573) 317 - 9317
First Community National Bank 407 N Franklin St, Cuba, MO 65453 +1 (573) 885 - 3500
TitleMax Title Secured Loans 1202 Business Loop 70 E, Columbia, MO 65201 +1 (573) 443 - 1845
Community Loans 214 S Glenstone Ave, Springfield, MO 65802 +1 (417) 823 - 9475
TitleMax Title Loans 1921 W Jesse James Rd, Excelsior Springs, MO 64024 +1 (816) 637 - 2691

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Durham, MO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Saint Charles, MO, Payday Loans in Saint Joseph, MO, Payday Loans in Saint Louis, MO, Payday Loans in Saint Peters, MO, Payday Loans in Springfield, MO, Payday Loan for Wentzville, MO, Quick Loan in Ballwin, MO and Same Day Loans in Blue Springs, 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 Durham, MO.

Beautiful sights of Durham, MO

Are Payday Loans Legal In Durham, 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

Durham, MO payday loan calculator

Payday Loans in Durham, Missouri – Your Ultimate Guide

If you’re looking to get a payday loan in Durham, Missouri, it’s important to understand the basics before committing to a lender. This guide will give you all the information you need to know about payday loans in Durham, Missouri, including what they are, how they work, what the laws are regarding them, and tips for borrowing responsibly.

What is a Payday Loan?

A payday loan is a short-term loan that you can use to cover unexpected expenses or to bridge the gap between paychecks. They are typically due on your next payday and come with high interest rates and fees. Payday loans are designed to be a fast and easy way to get cash when you need it, but they can also be very expensive if you don’t pay them back on time.

How Do Payday Loans Work?

Once you have decided to take out a payday loan, you will need to find a lender that is willing to work with you. In Durham, Missouri, there are many lenders that offer payday loans, but you should always read the terms and conditions carefully before signing any agreement.

Once you have found a lender, you will need to fill out an application. This usually involves providing your personal information and proof of income. If you are approved, you will receive your loan funds, usually in the form of a check or direct deposit into your bank account.

You will then be required to repay the loan, usually on your next payday. This may involve giving the lender access to your bank account or writing them a post-dated check for the amount of the loan plus fees and interest.

What are the Laws Surrounding Payday Loans in Durham, Missouri?

Payday loans are legal in Missouri, but there are strict laws governing how much you can borrow and how much interest and fees you can be charged. According to Missouri law, you can borrow up to $500 and can be charged up to 75% in interest and fees. The loan term cannot be less than 14 days or more than 31 days.

There are also regulations regarding rollovers and extensions. In Missouri, you are allowed to roll over your loan up to six times, but you must pay off at least 5% of the principal each time. Additionally, lenders cannot charge additional fees or interest for extensions or rollovers.

Tips for Borrowing Responsibly

  • Only borrow what you can afford to repay. This may mean cutting back on expenses or finding other ways to raise cash.
  • Shop around for the best rates and terms. Don’t just accept the first loan offer you receive.
  • Read the fine print. Make sure you understand all the terms and conditions before signing any agreement.
  • Ask for help if you need it. If you’re struggling to make ends meet, consider reaching out to a financial counselor or other professional.

Interesting Facts and Statistics About Payday Loans in Durham, Missouri

  • The average payday loan in Missouri is for $307, with an average interest rate of 456%.
  • Women are more likely than men to take out payday loans in Missouri.
  • Missouri ranks 3rd in the nation for payday loan usage, with 1.62 million loans taken out in 2019.
  • The majority of payday loan borrowers in Missouri have an annual income of less than $30,000.

Apply Now

If you’ve decided that a payday loan is the right choice for you, TheGuaranteedLoans can help you find a lender that meets your needs. Fill out our online application to get started. Remember, we are a connector service, not a direct lender, and we will facilitate your connection with potential lenders.

Don’t wait until your next paycheck to cover unexpected expenses. Apply for a payday loan today with TheGuaranteedLoans!

F.A.Q.

Can I get a payday loan from more than one lender at a time in Durham, Missouri?

No, it is illegal to have multiple payday loans from different lenders at the same time in Durham, Missouri.

How do I repay my payday loan in Durham, Missouri?

Most payday lenders in Durham, Missouri will automatically withdraw the loan amount plus fees and interest from your checking account on the due date.