Payday Loans in Eudora, Missouri

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

Company nameAddressZip codePhone number
Advance America 1402 Missouri Blvd, Jefferson City, MO 65109 +1 (573) 556 - 7910
ATM U.S. Bank Potosi 707 E High St, Potosi, MO 63664 +1 (800) 627 - 3999
Mariner Finance 446 E Battlefield Rd, Springfield, MO 65807 +1 (417) 429 - 0857
First State Community Bank 4767 State Rd B, Hillsboro, MO 63050 +1 (636) 789 - 4499
World Finance 1421 N Rangeline Rd Ste E, Joplin, MO 64801 +1 (417) 626 - 0800
Western Union Lendnation, 116 S Forrest Ave, Liberty, MO 64068 +1 (816) 415 - 0636
Check `n Go 3040 W Broadway Blvd #310, Sedalia, MO 65301 +1 (660) 829 - 2029
Advance America 1136 US-40, Blue Springs, MO 64015 +1 (816) 535 - 9447
Ozark Federal Credit Union 241 E Hwy St, Doniphan, MO 63935 +1 (573) 351 - 2401
Great Southern Bank 14309 MO-13, Reeds Spring, MO 65737 +1 (417) 739 - 4818

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Eudora, MO, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Columbia, MO, No Credit Check Loans in Florissant, MO, Payday Loans in Independence, MO, Payday Loans in Jefferson City, MO, Payday Loan for Joplin, MO, Payday Loan for Kansas City, MO, Same Day Loans in Lee's Summit, MO and Payday Loan for Liberty, 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 Eudora, MO.

Are Payday Loans Legal In Eudora, 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

Eudora, MO payday loan calculator

Payday Loans in Eudora, Missouri: A Comprehensive Guide

Payday loans have become a popular way for individuals to bridge the gap between paychecks. With the economic climate still uncertain and traditional lenders tightening their lending policies, payday loans offer quick and easy access to funds when you need them most. In Eudora, Missouri, these types of loans are completely legal and regulated by state laws.

What are payday loans?

A payday loan is a short-term loan typically used to cover emergency expenses such as medical bills, car repairs, or overdue bills. They are designed to be paid back by the borrower’s next paycheck. Payday loans are typically small-dollar loans, usually ranging from $100 to $500, and they come with high interest rates and fees.

How do payday loans work in Eudora, Missouri?

In Eudora, Missouri, payday loans are legal and subject to the laws set forth by the state. Borrowers can apply for a payday loan at a storefront location or online. To apply for a payday loan, you must be at least 18 years old, have a steady source of income, and a checking account. The lender will require proof of income and identification, and you will need to provide a post-dated check or authorization to electronically withdraw the funds from your bank account on the due date.

Under Missouri law, payday lenders can only charge up to 75% of the loan amount in interest and fees and can only lend up to $500. The loan term cannot exceed 31 days, and borrowers cannot take out more than one loan at a time or more than six loans in a year.

The Pros and Cons of payday loans

Like any form of borrowing, payday loans have pros and cons that borrowers should consider before taking out a loan.

Pros:

  • Easy to apply and qualify
  • Quick access to funds
  • No credit check required
  • Can help in emergency situations
  • Regulated by state laws to protect borrowers

Cons:

  • High fees and interest rates
  • Short repayment term can lead to rollovers and more fees
  • Can lead to a cycle of debt for some borrowers
  • Does not help build credit
  • Easy to get into but difficult to get out of

Interesting Facts About Payday Loans in Eudora, Missouri

  • Missouri caps interest rates on payday loans at 75% of the loan amount.
  • The average payday loan amount in Missouri is $307.
  • Since 2012, more than 880,000 payday loans have been issued in Missouri each year, with an average loan amount of $320.
  • Payday lenders make about $1.4 billion in fees and interest each year in Missouri.
  • The majority of payday lenders in Missouri are located in low-income areas.

Apply Now for a payday loan in Eudora, Missouri

If you need a payday loan in Eudora, Missouri, TheGuaranteedLoans can help. We are a connector service that matches borrowers with potential lenders. Our online application process is quick and easy, and we can help you find a lender that meets your needs. Remember to use payday loans responsibly and only when necessary. Apply now and get the funds you need today!

F.A.Q.

What are payday loans and how do they work in Eudora, Missouri?

Payday loans are short-term, high-interest loans that are designed to be paid back on the borrower's next payday. in Eudora, Missouri, borrowers are allowed to borrow up to $500, with a maximum term of 31 days.

Are there any restrictions on payday loan interest rates in Eudora, Missouri?

Yes, payday lenders are required to follow the state's usury laws, which limit the maximum interest rate to 75% per year. However, additional fees may be charged on top of the interest rate.