Payday Loans in Excello, Missouri

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

Company nameAddressZip codePhone number
FCS Financial 509 Hbc Rd, Macon, MO 63552 +1 (800) 432 - 2156
Cash Country 1706 South 7 Highway, Blue Springs, MO 64014 +1 (816) 229 - 1667
Sullivan Bank 13932 N, MO-5, Sunrise Beach, MO 65079 +1 (573) 374 - 5245
Check Into Cash 2401 E 32nd St #9, Joplin, MO 64804 +1 (417) 626 - 0633
Title Cash 1200 N Morley St, Moberly, MO 65270 +1 (660) 263 - 1141
U.S. Bank Branch 202 E McPherson St, Kirksville, MO 63501 +1 (660) 665 - 8374
Courtesy Loans 117 N Holden St, Warrensburg, MO 64093 +1 (660) 747 - 0092
Lenders Recovery Services, LLC 500 Delaware St, Kansas City, MO 64105 +1 (816) 979 - 1769
First State Community Bank 100 State Hwy P, Potosi, MO 63664 +1 (573) 438 - 6232
Blue Frog Loans 1855 Bowles Ave, Fenton, MO 63026 +1 (855) 258 - 3374

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Excello, MO, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Joplin, MO, Payday Loans in Kansas City, MO, Payday Loans in Lee's Summit, MO, Payday Loans in Liberty, MO, Payday Loans in Saint Charles, MO, Payday Loans in Saint Joseph, MO, Payday Loan Without a Credit Check in Saint Louis, MO and Payday Loan Without a Credit Check in Saint Peters, 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 Excello, MO.

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

65247

Are Payday Loans Legal In Excello, 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

Excello, MO payday loan calculator

Payday Loans in Excello, Missouri: A Comprehensive Guide

Payday loans are a type of short-term loan that can help you bridge the gap between paydays. These loans are especially helpful when you need cash quickly and can’t wait for your next paycheck.

In Missouri, payday loans are legal, and many people in Excello turn to these loans to help them meet their financial needs. However, with so many lenders offering payday loans, it’s essential to do your research to find the right loan for your needs.

What are Payday Loans?

A payday loan is a short-term loan that typically lasts for two weeks or until your next paycheck. These loans are intended for emergency expenses or unexpected bills that you can’t afford to pay with your regular income.

Payday loans are often referred to as cash advance loans, post-dated check loans, check advance loans, or deferred deposit loans. While these loans may be helpful in a financial emergency, they can also come with high interest rates and fees.

How Payday Loans Work

To get a payday loan, you provide the lender with a post-dated check for the loan amount plus fees or authorize the lender to withdraw the amount on your next payday. If you can’t repay the loan in full on your next payday, you may be able to renew or extend the loan, but this will come with additional fees and higher interest rates.

The lender will typically require proof of income and a valid ID to approve your loan. They may also require access to your bank account to withdraw the loan amount and fees.

Payday Loans in Excello, Missouri

In Missouri, payday loans are legal, and lenders can charge up to 75% of the loan amount in interest, fees, and finance charges. This means that if you borrow $100, you could end up paying up to $175 in fees and interest.

The state of Missouri also limits the loan amount to $500 or less and the loan term to 31 days or less. While these restrictions are in place to protect consumers from predatory lending practices, it’s important to understand the costs and risks associated with payday loans.

Many lenders in Excello, Missouri offer payday loans to residents, but it’s essential to compare interest rates, fees, and terms before selecting a lender. You should also read the terms and conditions of the loan and make sure you understand all the costs associated with the loan.

Benefits of Payday Loans

Payday loans can be a quick and easy solution to your financial needs. They can help you cover unexpected expenses, such as car repairs, medical bills, or a high utility bill. Payday loans are also easy to apply for and can provide cash quickly.

Another benefit of payday loans is that they don’t require a credit check. If you have bad credit or no credit history, you may still be able to qualify for a payday loan if you have a stable income and can provide proof of income.

Drawbacks of Payday Loans

While payday loans can be helpful in a financial emergency, they can also come with high interest rates and fees. Many borrowers end up renewing or rolling over their loans, which can lead to a cycle of debt that’s difficult to break.

Payday loans can also be a risky option if you’re not able to repay the loan in full on your next payday. This can lead to additional fees, interest, and penalties, and could even harm your credit score if the lender reports your delinquent account to the credit bureaus.

Interesting Facts and Statistics about Payday Loans in Excello, Missouri

  • Missouri has more payday lenders than McDonald’s, Starbucks, and Walgreens combined. (Source: CNBC)
  • In 2018, more than 1.6 million payday loans were issued in Missouri. (Source: Missouri Department of Finance)
  • The average payday loan in Missouri is $307. (Source: Missouri Division of Finance)
  • The average interest rate for payday loans in Missouri is 450%. (Source: Consumer Financial Protection Bureau)

Apply Now

If you’re considering a payday loan in Excello, Missouri, TheGuaranteedLoans can help. We’re a trusted connector service that can connect you with potential lenders who can offer you the loan you need.

Our online application is easy to complete and takes just a few minutes. Simply fill out the application form and provide us with your basic information, and we’ll connect you with a lender who can offer you the loan you need. Remember, we’re not a direct lender, and we don’t make credit decisions. We’re a connector service that helps you find the right lender for your needs.

Conclusion

Payday loans can be a helpful solution to your financial needs, but they can also come with high interest rates and fees. If you’re considering a payday loan in Excello, Missouri, it’s essential to do your research, compare lenders, and understand all the costs associated with the loan.

At TheGuaranteedLoans, we’re committed to helping you find the loan you need. Contact us today to get started.

F.A.Q.

Can I apply for a payday loan online in Excello, Missouri?

Yes, many payday lenders in Excello, Missouri offer online application and approval processes.

Are there any restrictions on how payday loan funds can be used?

No, payday loan funds can be used for any purpose, as determined by the borrower.