Payday Loans in Eldridge, Missouri

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

Company nameAddressZip codePhone number
Heights Finance Corporation 3401 W Broadway Business Park Ct #113, Columbia, MO 65203 +1 (573) 445 - 9837
Cash Zone 3416 Georgia St, Louisiana, MO 63353 +1 (573) 754 - 5644
LendNation 237 S Broadview St, Cape Girardeau, MO 63703 +1 (573) 651 - 3004
LendNation 180 Lamar Pkwy #111, Pacific, MO 63069 +1 (636) 257 - 4300
CommunityAmerica Credit Union 625 W 40 Highway, Blue Springs, MO 64014 +1 (913) 905 - 7000
BTC Bank 101 W Jackson St, Gallatin, MO 64640 +1 (660) 663 - 2141
LibertyX Bitcoin ATM 2325 Bittersweet Rd, Lake Ozark, MO 65049 +1 (800) 511 - 8940
Putnam County State Bank 1522 Main St, Unionville, MO 63565 +1 (660) 947 - 2477
Bluff Fast Cash 2201 N Westwood Blvd 13A, Poplar Bluff, MO 63901 +1 (573) 776 - 1999
Quick Cash 119 W Main St, Fredericktown, MO 63645 +1 (573) 783 - 5471

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Eldridge, MO, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Independence, MO, Payday Loans in Jefferson City, MO, 24-Hour Loan in Joplin, MO, Guaranteed Loans in Kansas City, MO, Online Loans in Lee's Summit, MO, No Credit Check Loans in Liberty, MO, Emergency Loan in Saint Charles, MO and Emergency Loan 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 Eldridge, MO.

Are Payday Loans Legal In Eldridge, 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

Eldridge, MO payday loan calculator

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

When unexpected bills or expenses arise, many people in Eldridge, Missouri, and other parts of the United States turn to payday loans as a quick solution. Payday loans are short-term loans designed to help individuals cover their expenses until their next payday. These loans are legal in Missouri, but it’s important to understand the risks and benefits before deciding to take out a payday loan.

How Payday Loans Work

Payday loans are typically for small amounts of money, ranging from $100 to $500, and have a short repayment period, usually ranging from 2 weeks to a few months. To take out a payday loan, an individual must provide proof of income, a government-issued ID, and a post-dated check or authorization for an electronic debit of the loan amount plus fees and interest.

If the borrower is unable to repay the loan on time, the lender may roll over the loan for an additional fee, which can lead to a cycle of debt.

The Risks of Payday Loans

While payday loans can provide quick access to cash, they come with high fees and interest rates. In Missouri, payday loan interest rates can be as high as 452% APR (Annual Percentage Rate), making it easy for borrowers to fall into a cycle of debt.

Additionally, some payday lenders have been known to use shady business practices. Some lenders may allow borrowers to roll over their loans multiple times, leading to additional fees and interest charges. Some lenders may also require borrowers to provide a post-dated check or authorization for electronic debit, which can lead to overdraft fees if the borrower does not have enough funds in the bank to cover the transaction.

The Benefits of Payday Loans

Despite the risks, payday loans can provide a quick solution for those in need of cash. Unlike traditional bank loans, payday loan applications can be approved within minutes, and the funds can be deposited into the borrower’s account the same day. This can be especially helpful in emergency situations where time is of the essence.

How to Apply for a Payday Loan in Eldridge, Missouri

If you’re considering a payday loan in Eldridge, Missouri, it’s important to do your research and make an informed decision. TheGuaranteedLoans can help connect you with potential lenders who can provide you with the funds you need.

Before applying for a payday loan, consider your other options, such as borrowing from a friend or family member, asking for an advance from your employer, or applying for a personal loan from a bank or credit union. These options may have lower interest rates and fees compared to payday loans.

Interesting Facts and Statistics

  • In Missouri, payday loans are legal and regulated by the Missouri Division of Finance.
  • The average payday loan in Missouri is $315.
  • In 2019, Missouri payday lenders made more than 1.2 million loans, totaling more than $473 million in loans.
  • The average interest rate for a payday loan in Missouri is 455% APR.

Apply Now

Are you in need of funds to cover an unexpected expense? Apply for a payday loan through TheGuaranteedLoans today. Remember, we are a connector service, not a direct lender. We’ll help connect you with potential lenders who can provide you with the funds you need. Apply now to get started.

F.A.Q.

Can I file a complaint if I have a problem with a payday lender in Eldridge, 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 Eldridge, 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.