Payday Loans in Humphreys, Missouri

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

Company nameAddressZip codePhone number
Cash America Pawn 11501 US-24, Independence, MO 64054 +1 (816) 836 - 9994
LendNation 304 E 12th St, Lamar, MO 64759 +1 (417) 682 - 2136
Title Cash 1612 1st St, Kennett, MO 63857 +1 (573) 888 - 3757
Star Loans 1025 E 75th St, Kansas City, MO 64131 +1 (816) 333 - 3278
ATM Lamar Bank And Trust 1000 Broadway St, Lamar, MO 64759 +1 (800) 627 - 3999
Tower Loan 121 S Broadview St 9, Cape Girardeau, MO 63703 +1 (573) 332 - 1919
Corner Cash LLC 335 N Main St, Sikeston, MO 63801 +1 (573) 471 - 2056
Mexico Cash Until Payday 110 N Jefferson St, Mexico, MO 65265 +1 (573) 582 - 1390
Right Away Rent-To-Own 101 S Main St, Licking, MO 65542 +1 (573) 674 - 4779
Advance America 518 Washington St, Chillicothe, MO 64601 +1 (660) 707 - 1860

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Humphreys, MO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Independence, MO, Payday Loans in Jefferson City, MO, Payday Loans in Joplin, MO, Payday Loans in Kansas City, MO, Bad Credit Loans in Lee's Summit, MO, Payday Loans in Liberty, MO, No Credit Check Loans in Saint Charles, MO and Short-term 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 Humphreys, MO.

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

64646

Are Payday Loans Legal In Humphreys, 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

Humphreys, MO payday loan calculator

When people find themselves in a financial bind, sometimes they need quick cash. This is where payday loans come in handy. These types of loans are short-term and usually have a higher interest rate than traditional loans. In Humphreys, Missouri, payday loans are legal. But what do you need to know before applying for a payday loan in Humphreys? Let’s dig deeper.

How Payday Loans Work

Payday loans are meant to be a short-term solution for financial needs. Generally, they range from $100 to $500 and are designed to be paid back within two weeks to a month, depending on the lender’s terms. Some lenders may allow you to extend the loan term for an additional fee.

To apply for a payday loan, you’ll need to have a source of income and be at least 18 years old. The application process is usually straightforward and can be done online, over the phone, or in person at a physical location. You’ll need to provide your personal information, employment information, and access to your bank account for repayment purposes.

If approved, the lender will deposit the loan amount into your bank account. When the loan term is up, the lender will withdraw the loan amount plus interest and any additional fees from your bank account.

Interest Rates and Fees

As mentioned earlier, payday loans usually come with a higher interest rate than traditional loans. In Humphreys, Missouri, the maximum interest rate for payday loans is 75%. This means that if you borrow $100, you’ll owe $175 when the loan term is up.

In addition to interest rates, lenders may charge other fees, such as application fees, late fees, and early repayment fees. It’s important to read the terms and conditions carefully before applying for a payday loan to understand the total cost of the loan.

Facts and Statistics

  • According to the Missouri Division of Finance, there were 1.84 million payday loans taken out in Missouri in 2020.
  • The average loan amount was $321.
  • The average APR was 445.77%.
  • The average loan term was 18 days.

Apply Now

If you’re considering a payday loan in Humphreys, Missouri, TheGuaranteedLoans can help you connect with potential lenders. We’re a connector service, not a direct lender, and our goal is to help you find the loan that meets your needs. To get started, fill out our online application today.

Remember to only borrow what you can afford to pay back and to read the terms and conditions carefully. Payday loans can be a useful tool in a financial emergency, but they’re not a long-term solution. If you find yourself needing payday loans frequently, it may be time to seek other financial solutions.

F.A.Q.

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

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