Payday Loans in Harrisburg, Missouri

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

Company nameAddressZip codePhone number
World Finance 501 S Madison St Ste J, Webb City, MO 64870 +1 (417) 673 - 2693
Belgrade State Bank 101 S, MO-21, Caledonia, MO 63631 +1 (573) 779 - 3311
Ozarks Federal Savings & Loan 2 E Columbia St, Farmington, MO 63640 +1 (573) 756 - 6622
Stifel 501 Cherry St 101, Columbia, MO 65201 +1 (573) 874 - 2199
Farmers Bank of Northern Missouri 1801 E 28th St 1105, Trenton, MO 64683 +1 (660) 359 - 2274
First State Community Bank 900 Elmont Rd, Sullivan, MO 63080 +1 (573) 468 - 2265
LendNation 3318 Georgia St, Louisiana, MO 63353 +1 (573) 754 - 4499
Unico Bank 625 Veterans Dr, Mineral Point, MO 63660 +1 (573) 438 - 5421
First State Community Bank 20 E School St, Bonne Terre, MO 63628 +1 (573) 358 - 3388
World Finance 128 N Cedar St, Nevada, MO 64772 +1 (417) 549 - 6255

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Harrisburg, MO

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

65256

Are Payday Loans Legal In Harrisburg, 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

Harrisburg, MO payday loan calculator

Payday Loans in Harrisburg, Missouri

Are you in need of quick cash? If you live in Harrisburg, Missouri, you may be considering a payday loan. Payday loans can provide you with the necessary funds to cover unexpected expenses or emergencies. However, it is essential to understand the regulations and laws surrounding payday loans in Harrisburg, Missouri.

What are Payday Loans?

Payday loans are short-term loans that can be acquired quickly and easily. These loans are typically used by people who need a small amount of cash to cover expenses until their next paycheck arrives. Payday loans are known for their high-interest rates and fees, making them a controversial option for financing.

Payday Loan Regulations in Harrisburg, Missouri

In Missouri, payday loans are legal and regulated by the Missouri Division of Finance. This division oversees all payday loan operations and enforces laws and regulations to protect borrowers from predatory lending practices.

In Harrisburg, Missouri, payday loans are limited to $500 or less for a maximum term of 31 days. The maximum finance charges for a $100 payday loan are $75, and the interest rate must not exceed 75% of the loan amount. Lenders are not permitted to renew or extend a payday loan more than six times.

Before obtaining a payday loan in Harrisburg, Missouri, it is essential to understand the terms of the loan fully. Make sure you fully understand the cost of the loan, including fees and interest rates, and ensure you have the means to repay the loan on time.

Benefits of Payday Loans in Harrisburg, Missouri

  • Quick access to cash.
  • Minimal credit requirements.
  • Ease of application process.
  • Flexibility in loan usage.

Drawbacks of Payday Loans in Harrisburg, Missouri

  • High-interest rates and fees.
  • Short repayment terms.
  • Potential for ongoing debt cycles.
  • Not a long-term financial solution.

Interesting Facts and Statistics about Payday Loans in Harrisburg, Missouri

  • In 2020, more than 1.2 million payday loans were issued in Missouri.
  • The average interest rate for a payday loan in Missouri is 463%.
  • In 2019, Missouri borrowers paid more than $120 million in fees alone for payday loans.
  • The average payday loan in Missouri is $315.

Despite the high-interest rates and fees associated with payday loans, they remain a popular option for many households in Harrisburg, Missouri, and across the state.

Apply Now!

If you’re in need of quick cash, TheGuaranteedLoans can help connect you with potential lenders in Harrisburg, Missouri. Our online application process is fast and straightforward, and you can receive a loan decision in minutes. However, it’s important to remember that TheGuaranteedLoans is not a direct lender. We facilitate connections between borrowers and lenders, and we cannot guarantee loan approval or terms.

Apply now and see if you qualify for a payday loan.

Note: Before applying for a payday loan, it is important to understand the terms and laws regarding payday loans in Harrisburg, Missouri.

Conclusion

Payday loans can provide quick access to cash in times of need, but they come with high-interest rates and fees. Be sure to weigh the pros and cons of payday loans before moving forward. As always, it’s essential to research the laws and regulations in your area regarding payday loans and lending.

F.A.Q.

Can I apply for a payday loan if I have bad credit?

Yes, payday loans in Harrisburg, Missouri do not require a credit check, so having bad credit will not disqualify you from applying.

Can a payday loan help improve my credit score in Harrisburg, Missouri?

No, payday loans do not typically report to credit bureaus and therefore will not have an impact on your credit score. It is recommended to explore other options for improving your credit.