Payday Loans in Harris, Missouri

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

Company nameAddressZip codePhone number
USA Mortgage Home Loans 33 E Broadway #290, Columbia, MO 65203 +1 (573) 397 - 6090
LibertyX Bitcoin ATM 5860 MO-100, Washington, MO 63090 +1 (800) 511 - 8940
A-1 Premium Acceptance 334 N Massey Blvd, Nixa, MO 65714 +1 (417) 724 - 2855
Desoto Mo Pac Credit Union 2082 Rock Rd, De Soto, MO 63020 +1 (636) 586 - 9922
Bank of Louisiana 101 S 3rd St, Louisiana, MO 63353 +1 (573) 754 - 5517
A1 Premium Acceptance 705 Illinois Ave, Joplin, MO 64801 +1 (417) 626 - 0703
Security Finance 501 N Maguire St a, Warrensburg, MO 64093 +1 (660) 747 - 5045
World Finance 917 W Business, US Hwy 60, Dexter, MO 63841 +1 (573) 614 - 4213
Arvest Bank 139 Gage Dr, Hollister, MO 65672 +1 (417) 243 - 4400
Pinnacle Bank 1316 E 32nd St, Joplin, MO 64804 +1 (417) 625 - 3691

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harris, 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, Guaranteed Loans in Joplin, MO, Emergency Loan in Kansas City, MO, Payday Loans in Lee's Summit, MO, Payday Loans in Liberty, MO, Online Loans in Saint Charles, MO and Bad Credit Loans 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 Harris, MO.

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

64645

Are Payday Loans Legal In Harris, 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

Harris, MO payday loan calculator

When unexpected expenses come up and you’re short on cash, payday loans can be a helpful option. In Missouri, payday loans are legal, and many borrowers turn to them for relief. If you’re in Harris, Missouri, and considering a payday loan, it’s important to understand the process and regulations surrounding these loans.

What Are Payday Loans?

A payday loan is a short-term, high-interest loan designed to help borrowers bridge the gap between paychecks. Borrowers typically pay back the loan on their next payday, hence the name “payday loan.” These loans usually range from $100 to $500, but some lenders may offer larger amounts.

How Do Payday Loans Work in Harris, Missouri?

In Missouri, payday lenders must be licensed and regulated by the Missouri Division of Finance. To be eligible for a payday loan, you must meet the following requirements:

  • Be at least 18 years old
  • Have a steady source of income
  • Have a valid checking account
  • Provide proof of identification

When you apply for a payday loan, the lender will ask for your personal and financial information and may require a post-dated check or authorization to electronically withdraw the loan amount plus fees from your checking account.

Missouri law allows borrowers to take out payday loans for up to $500, with a maximum finance charge of 75% of the loan amount. Lenders are also required to provide borrowers with a written agreement that clearly states the terms and conditions of the loan.

While payday loans can be a quick and easy way to get cash when you need it, they come with high interest rates and fees. If you cannot pay back the loan on time, you may face additional fees and charges, and your credit score could be negatively impacted. It’s important to carefully consider your options and only borrow what you can afford to repay.

Apply Now

If you’re in need of a payday loan, TheGuaranteedLoans is here to help. As a connector service, we work with a network of trusted lenders to help you find the right loan for your needs. Our online application process is fast, secure, and easy to use. Fill out our application now to get connected with a lender and get the cash you need.

Interesting Facts and Statistics About Payday Loans in Harris, Missouri

  • Missouri has some of the least restrictive payday loan laws in the country, with lenders able to charge up to 1,950% APR on a 14-day loan.
  • In Harris, Missouri, there are several payday lending storefronts offering loans to borrowers.
  • The average payday loan amount in Missouri is $307, with an average fee of $53 per loan.
  • According to a 2019 report by the Consumer Financial Protection Bureau, 80% of payday loans are rolled over or renewed within two weeks, and nearly a quarter of all payday loans are rolled over nine times or more.

While payday loans can provide short-term relief for those in need of cash, they should be used sparingly and only after careful consideration of the costs and risks involved. Borrowers should also be aware of their rights and protections under Missouri law and work with trusted lenders and connector services like TheGuaranteedLoans. Apply now to get connected with a lender and get the cash you need.

F.A.Q.

Can I be charged with criminal penalties for defaulting on a payday loan in Harris, Missouri?

No, in Harris, Missouri, borrowers cannot be charged with criminal penalties for defaulting on a payday loan. However, lenders may pursue civil action to collect on unpaid loans.

Is a credit check required for payday loans in Harris, Missouri?

No, payday lenders in Harris, Missouri do not typically perform credit checks during the loan application process.