Payday Loans in Harviell, Missouri

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

Company nameAddressZip codePhone number
Silex Banking Co 20 S 2nd St, Silex, MO 63377 +1 (573) 384 - 5221
HOMEBANK 400 S Main St, Palmyra, MO 63461 +1 (573) 769 - 2001
Urban Bad Credit Loan 231 Highway 7 South, Blue Springs, MO 64014 +1 (816) 597 - 4050
Check Into Cash 3201 Lusk Dr Suite C, Neosho, MO 64850 +1 (417) 455 - 1510
MoneyGram 807 Cherokee Dr 2, Marshall, MO 65340 +1 (660) 886 - 3962
Advance America 1908 Rte 291, Harrisonville, MO 64701 +1 (816) 884 - 2961
Loans Plus 11660 MO-72, Rolla, MO 65401 +1 (573) 364 - 1440
Tower Loan 218B S Village Center St, Nixa, MO 65714 +1 (417) 724 - 8869
Title Cash 1180 S Odell Ave, Marshall, MO 65340 +1 (660) 831 - 5002
Advance America 12 Dillon Plaza Dr, High Ridge, MO 63049 +1 (636) 376 - 3051

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Harviell, MO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Ballwin, MO, Payday Loan Companies in Blue Springs, MO, Payday Loan Without a Credit Check in Cape Girardeau, MO, Quick Loan in Chesterfield, MO, No Credit Check Loans in Columbia, MO, Short-term Loans in Florissant, MO, Payday Loans in Independence, MO and Payday Loan Without a Credit Check in Jefferson City, 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 Harviell, MO.

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

63945

Are Payday Loans Legal In Harviell, 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

Harviell, MO payday loan calculator

Payday Loans in Harviell, Missouri

Many people in Harviell, Missouri, and other parts of the United States, struggle with financial emergencies. When faced with unexpected expenses or bills that cannot wait until the next payday, payday loans can provide a viable option for immediate financial relief. However, payday loans also come with some risks that borrowers must be aware of before securing one.

What are Payday Loans?

A payday loan is a type of short-term loan that is given to borrowers who need money urgently. These loans are designed to be repaid on the borrower’s next payday, hence the name payday loans. In Harviell, Missouri, payday loans are legal, provided that certain regulations are followed.

How Payday Loans Work

To apply for a payday loan, a borrower must have a steady income source, a checking account, and an ID that proves their age and identity. The borrower provides the lender with a post-dated check or authorization to withdraw funds electronically from their bank account.

The lender then provides the borrower with the loan amount, which is typically a percentage of their paycheck. The loan must be paid back with interest on the borrower’s next payday. If the borrower is unable to repay the loan on the due date, they are granted a rollover at an additional fee, which can increase the cost of borrowing significantly.

Payday Loan Regulations in Harviell, Missouri

In Harviell, Missouri, payday loans are legal, but the state imposes various regulations to protect borrowers from the negative consequences of predatory lending.

  • Maximum loan amount: $500
  • Maximum fees and interest rate: 75% of the loan amount
  • Maximum loan term: 31 days

Payday loans are also prohibited from being issued to anyone who has an outstanding payday loan or who has been unable to repay a payday loan for 45 days or more.

Benefits of Payday Loans

  • Quick and easy access to cash, often within a few hours of applying.
  • Minimal requirements for eligibility, which makes them accessible to a wide range of individuals.
  • No credit check required, making payday loans a viable option for people with poor credit scores.
  • Short-term commitment, which means that borrowers do not get stuck with long-term debt obligations.

Risks of Payday Loans

  • High fees and interest rates, which can add up quickly.
  • Limitations on how much can be borrowed, which may not be sufficient to cover all of the borrower’s needs.
  • Short repayment period, which can lead to financial strain if the loan cannot be repaid on time.
  • Predatory lending practices, such as rollovers and repeat loans, which can trap borrowers in cycles of debt.

Interesting Facts about Payday Loans in Harviell, Missouri

  • According to the Pew Charitable Trusts, more than 12 million Americans take out payday loans each year, with an average loan amount of $375.
  • Missouri has one of the highest average interest rates on payday loans in the United States, at 443% APR.
  • In 2018, the Missouri Division of Finance received more than 2,000 complaints about payday loans, including high-pressure sales tactics and unreasonable repayment terms.

Apply Now

If you are facing a financial emergency and need immediate cash, consider applying for a payday loan through TheGuaranteedLoans. We connect borrowers with potential lenders who can provide the funds they need, often within a matter of hours. Our application process is simple, and our lenders offer competitive rates and flexible repayment terms.

Remember, TheGuaranteedLoans is a connector service, not a direct lender. We do not engage in lending activities, but we facilitate your connection with potential lenders who can help meet your financial needs. Apply now and let us help you find a solution to your financial troubles.

F.A.Q.

Can I be arrested for not paying back a payday loan in Harviell, Missouri?

No, it is not legal for a lender to threaten or pursue criminal action for non-payment of a payday loan in Harviell, Missouri.

How do I apply for a payday loan in Harviell, Missouri?

You can apply for a payday loan in Harviell, Missouri by visiting a lender's storefront or website and filling out an application form.