Payday Loans in Guilford, Missouri

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

Company nameAddressZip codePhone number
Security Finance 2103 N, Rte 291 Suite 300, Harrisonville, MO 64701 +1 (816) 884 - 5997
U.S. Bank Branch 408 Harmon St, Pineville, MO 64856 +1 (417) 223 - 4333
Century Bank of the Ozarks 1002 NW 12th Ave, Ava, MO 65608 +1 (417) 683 - 4182
Quality Auto Repair 506 S 10th St, Tarkio, MO 64491 +1 (660) 736 - 5561
Pay Day Advance 308 Main St, Cassville, MO 65625 +1 (417) 847 - 6222
LendNation 521 Center, Warrenton, MO 63383 +1 (636) 456 - 0855
World Finance 845 E Hwy 60 Ste G, Monett, MO 65708 +1 (417) 354 - 0073
BancorpSouth Mortgage 2144 E Kearney St, Springfield, MO 65803 +1 (417) 730 - 8016
Marketplace Printing 1409 W State Hwy J, Ozark, MO 65721 +1 (417) 582 - 0131
Pay Day Today LLC 531 Benham St, Bonne Terre, MO 63628 +1 (573) 358 - 1122

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Guilford, MO, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Saint Louis, MO, Emergency Loan in Saint Peters, MO, Bad Credit Loans in Springfield, MO, Payday Loans in Wentzville, MO, Bad Credit Loans in Ballwin, MO, Same Day Loans in Blue Springs, MO, Payday Loans in Cape Girardeau, MO and Payday Loans in Chesterfield, 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 Guilford, MO.

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

64457

Are Payday Loans Legal In Guilford, 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

Guilford, MO payday loan calculator

Payday Loans in Guilford, Missouri: A Comprehensive Guide

Payday loans are a popular option for many Americans who find themselves short on cash and in need of financial assistance. In Guilford, Missouri, payday loans are legal, and they can help individuals cover unexpected expenses or emergency costs. In this article, we provide a comprehensive guide to payday loans in Guilford, Missouri, including their benefits, requirements, and risks.

What are Payday Loans?

Payday loans are a type of short-term loan that individuals take out to cover unexpected expenses or emergency costs. These loans are typically due on the borrower’s next payday, which is why they are called “payday loans.” Payday loans typically have higher interest rates than traditional loans, but they are meant to be paid back quickly, often within two weeks.

Payday loans can be a helpful option for individuals who need cash quickly and don’t have access to other forms of credit, such as credit cards or personal loans. However, payday loans can also be risky and expensive, so it’s important to understand the requirements and risks before taking out a loan.

Requirements for Payday Loans in Guilford, Missouri

While payday loans are legal in Missouri, there are specific requirements that borrowers must meet to qualify for a loan. These requirements include:

  • Being at least 18 years old
  • Having an active checking account
  • Having a steady source of income
  • Providing proof of identity and residency

Additionally, the amount of the loan cannot exceed $500, and the loan term cannot be shorter than 14 days or longer than 31 days. Lenders are also required to provide borrowers with a loan agreement that outlines the terms and fees of the loan.

Benefits of Payday Loans in Guilford, Missouri

Payday loans can offer several benefits for borrowers in Guilford, Missouri, including:

  • Quick access to cash: Payday loans can provide borrowers with cash quickly, often within one business day.
  • No credit check: Payday lenders typically do not perform credit checks when approving loans, so borrowers with poor credit may still be able to qualify for a loan.
  • No collateral: Payday loans are unsecured, meaning borrowers do not have to provide collateral, such as a car or home, to obtain a loan.

Risks of Payday Loans in Guilford, Missouri

While payday loans can provide quick access to cash, they also come with several risks, including:

  • High interest rates: Payday loan interest rates can be much higher than traditional loans, making them an expensive option for borrowers.
  • Short repayment terms: Payday loans are typically due on the borrower’s next payday, which can be a short repayment term for many borrowers.
  • Potential for debt cycle: Borrowers who are unable to repay their loans on time may be charged additional fees and interest, which can lead to a cycle of debt.

Interesting Facts and Statistics about Payday Loans in Guilford, Missouri

  • In Missouri, the average payday loan is $315.
  • Missouri has the highest payday loan interest rates in the country, with an average annual percentage rate (APR) of 455%.
  • The payday loan industry in Missouri generates approximately $1.2 billion in revenue each year.

Apply Now

If you are considering a payday loan in Guilford, Missouri, TheGuaranteedLoans is here to help. We are a connector service that can help you connect with potential lenders who may be able to offer you a loan. Our online application process is quick and easy, and we can connect you with a lender in as little as one business day.

It’s important to note that TheGuaranteedLoans is not a direct lender, and we do not make credit decisions or determine loan terms. Instead, we facilitate your connection with potential lenders, and you will work directly with your lender to determine loan terms and repayment options.

Conclusion

Payday loans can be a helpful option for individuals in Guilford, Missouri, who need cash quickly and don’t have access to other forms of credit. However, these loans can also be costly and come with risks, so it’s important to understand the requirements and potential downsides before taking out a loan. If you are considering a payday loan, be sure to shop around and compare lenders to find the best loan terms and rates for your needs.

F.A.Q.

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

Payday loans are short-term, high-interest loans that are designed to be paid back on the borrower's next payday. in Guilford, 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 Guilford, 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.