Payday Loans in Earth City, Missouri

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

Company nameAddressZip codePhone number
Queen City Capital Commercial Lending 307 West St, Nixa, MO 65714 +1 (417) 631 - 4394
The Loan Machine 705 W Pearce Blvd, Wentzville, MO 63385 +1 (636) 327 - 6116
U.S. Bank ATM - Laurie 409 N Main St, Gravois Mills, MO 65037 +1 (800) 872 - 2657
World Finance 1232 Independence Ave, Kennett, MO 63852 +1 (573) 888 - 8882
Instant Cash Loans & Check 201 Main St, Eminence, MO 65466 +1 (573) 226 - 1220
Security Finance 128 Corum Rd, Excelsior Springs, MO 64024 +1 (816) 637 - 2206
St. Louis Title Loan 13080 New Halls Ferry Road, Florissant, MO 63033 +1 (314) 837 - 3900
Mariner Finance 2801 St Marys Ave A, Hannibal, MO 63401 +1 (573) 248 - 0503
Great Southern Bank 14411 MO-7, Climax Springs, MO 65324 +1 (573) 347 - 2343
Commerce Bank 1460 S Jefferson Ave, Lebanon, MO 65536 +1 (417) 532 - 2161

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Earth City, MO

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

63044, 63045

Are Payday Loans Legal In Earth City, 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

Earth City, MO payday loan calculator

Payday Loans in Earth City, Missouri: Everything You Need to Know

If you’re in a bind and need money fast, payday loans may seem like an easy solution. And if you live in Earth City, Missouri, you’re in luck: payday loans are legal in Missouri. However, before you consider taking out a payday loan, it’s important to understand what they are, how they work, and their potential risks.

What are Payday Loans?

A payday loan is a short-term loan typically due on your next payday. You typically borrow a small amount of money with a high interest rate, and then pay it back in full when you get your next paycheck.

Payday lenders don’t typically require a credit check, making them an easy borrowing option for those with poor credit. However, the high interest rates and fees associated with payday loans can leave borrowers in a cycle of debt.

How Payday Loans Work in Earth City, Missouri

In Missouri, payday loans are legal, but subject to certain regulations. Lenders can charge a maximum of 75% interest on a loan, and borrowers can only take out one loan at a time, with a maximum of $500.

To take out a payday loan in Earth City, Missouri, you’ll typically need to provide proof of income, a valid ID, and a post-dated check for the loan amount plus fees.

When it’s time to repay the loan, the lender will cash the post-dated check. If you can’t pay back the loan on time, you can typically roll it over for an additional fee. This is called a loan renewal, and it can quickly add up to more debt and higher interest rates.

The Risks of Payday Loans

While payday loans can seem like an easy solution in a financial emergency, there are many risks associated with them. The high interest rates and fees can quickly add up, leaving borrowers in a cycle of debt. In fact, according to the Consumer Financial Protection Bureau, the average payday loan borrower takes out 10 loans per year.

In addition to the high costs, payday lenders often use aggressive tactics to collect payment. This can include calling your workplace or even threatening legal action.

Interesting Facts or Statistics About Payday Loans in Earth City, Missouri

  • In Missouri, the average payday loan is $290, with an average interest rate of 462%.
  • According to a survey by Pew Charitable Trusts, 12 million Americans take out payday loans each year.
  • The total volume of payday loans in Missouri was over $1.4 billion in 2018.

Apply Now

If you’re considering a payday loan in Earth City, Missouri, it’s important to do your research and understand the risks. However, if you’ve decided that a payday loan is the right choice for you, TheGuaranteedLoans can help connect you with potential lenders.

It’s important to remember that TheGuaranteedLoans is a connector service, not a direct lender. We work with a network of trusted lenders to help you find the loan that best fits your needs. To get started, simply fill out our online application process and we’ll connect you with potential lenders.

In conclusion, payday loans can be a risky borrowing option, but can also be a lifeline in a financial emergency. Always do your research, understand the terms and risks of the loan, and only borrow what you can afford to repay.

F.A.Q.

Can I take out multiple payday loans in Earth City, Missouri?

Yes, there is no limit on the number of payday loans you can take out in Earth City, Missouri. However, it is important to consider your ability to repay the loans before taking out multiple loans.

What should I do if I am unable to pay back my payday loan in Earth City, Missouri?

If you are unable to pay back your payday loan on the agreed-upon date, you should contact your lender as soon as possible to discuss your options. Your lender may be able to work with you to come up with a repayment plan that is manageable for you.