Payday Loans in Jefferson City, Missouri

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Payday Loan Companies in Jefferson City, MO

Company nameAddressZip codePhone number
A Plus Cash Advance 2407 Missouri Blvd 65109 +1 (573) 634 - 8441
A-1 Premium Acceptance 1850 Rte C C 65109 +1 (573) 634 - 3057
Advance America 1402 Missouri Blvd 65109 +1 (573) 556 - 7910
AmeriCash Loans 1709 Missouri Blvd Unit F 65109 +1 (573) 659 - 0645
Capital Loans 1418 Missouri Blvd B 65109 +1 (573) 632 - 6753
Check `n Go 1922 Missouri Blvd c 65109 +1 (573) 636 - 6572
Check Into Cash 2219-G Missouri Blvd 65109 +1 (573) 636 - 8486
Check n Go 1922 Missouri Blvd Ste C 65109 +1 (573) 636 - 6572
Courtesy Loans 512 Ellis Blvd 65101 +1 (573) 634 - 2731
Courtesy Loans 512 Ellis Blvd Unit T 65101 +1 (573) 634 - 2731
Farmers Bank of Lohman 103 Lomo Dr 65109 +1 (573) 893 - 5665
Heights Finance Corporation 1418 Missouri Blvd 65109 +1 (573) 761 - 9370
King of Kash - Jefferson City 1850 State Hwy C 65109 +1 (573) 634 - 3057
LendNation 813 Missouri Blvd 65109 +1 (573) 761 - 0607
Loan Servicing Center 700A Southwest Blvd 65101 +1 (573) 634 - 0880
Mariner Finance 2215 Missouri Blvd suite d 65109 +1 (573) 634 - 8854
Mid-American Title Loans 1500 Missouri Blvd 65109 +1 (573) 556 - 6296
Missouri Title Loans, Inc. 1904 Missouri Blvd 65109 +1 (573) 556 - 6363
Nathan Hays at Jefferson City Autoplex - 1 in Referrals 3217 Missouri Blvd 65109 +1 (573) 353 - 9727
Personal Finance Company 2215 Missouri Blvd d 65109 +1 (573) 634 - 8854
Prudential Dennis Schubert Life Insurance & Annuities 909 Missouri Blvd suite c 65109 +1 (573) 635 - 9542
Republic Finance 744 W Stadium Blvd Unit G Unit G 65109 +1 (573) 496 - 1016
Security Finance 520 Ellis Blvd Suite M 65101 +1 (573) 634 - 8384
Signature Loans & More 1850 Rte C C 65109 +1 (573) 634 - 3057
Stifel 222 Madison St 65101 +1 (573) 635 - 7997
Sun Loan Company 1418 Missouri Blvd c 65101 +1 (573) 636 - 8708
Sun Loan Company 1418 Missouri Blvd Ste C 65101 +1 (573) 636 - 8708
TitleMax Title Secured Loans 1001 Missouri Blvd 65109 +1 (573) 635 - 3369
Tower Loan 520 Ellis Blvd j 65101 +1 (573) 634 - 3136
World Finance 3720 W Truman Blvd Ste B 65109 +1 (573) 659 - 8300
World Finance Corporation 3720 W Truman Blvd b 65109 +1 (573) 659 - 8300

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Jefferson City, MO, you can try to find different companies in big cities near by. Check out the following pages here: Online Loans in Joplin, MO, Online Loans in Kansas City, MO, Payday Loans in Lee's Summit, MO, Payday Loans in Liberty, MO, Online Loans in Saint Charles, MO, Payday Loans in Saint Joseph, MO, Payday Loans in Saint Louis, MO and Payday Loans in Saint Peters, 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 Jefferson City, MO.

Beautiful sights of Jefferson City, MO

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

65109, 65105, 65107, 65104, 65111, 65106, 65101, 65110, 65102, 65108, 65103

Are Payday Loans Legal In Jefferson City, 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

Jefferson City, MO payday loan calculator

A payday loan is a short-term loan usually taken out to cover urgent expenses. It is designed to be used until the next paycheck so that you can receive your money as soon as possible. With proper planning, this loan can help you cover a few days of expenses until your next paycheck, refilling the coffers and putting some money back in your account before running out again!

As with any other financial decision, payday lending could be a trap for the uninformed party. Always take some time to do your research, or ask for help from a friend you trust. While payday loans are generally considered a safe way of getting money when you need it, they also have inherent risks – but if you know what to expect and take the necessary precautions beforehand, you can dramatically reduce the chance that a payday loan poses.

Advantages

The main advantage of taking out a payday loan is that it can inject much-needed cash into your account at any given moment. This can provide a big boost in a time when all the money is used for unexpected expenses.

The second advantage of payday loans is that they can be quickly repaid. This means that you will get a loan, use it to cover your expenses and pay it back as soon as possible. Payday lending is much like credit card debt, but with a much more favorable payment schedule.

Finally, if you know how to take advantage of the tools and options of payday loans, you will be able to make the most out of them. Taking out a loan from a reputable provider is the number one key to success in this case.

Disadvantages

While payday loans may seem like the perfect solution to your financial troubles, they are not free of risks. Sometimes, you may find that the costs of using payday loans are much greater than you thought. For example, if you are using online services to get a loan, you may have to pay certain fees and commissions on top of the cost of your loan.

Other disadvantages of payday loans include limited availability and a lack of consumer protections. Because payday lending is typically conducted on a local level, it relies heavily on the reputation of your provider. If they become part of a scam or otherwise violate the law, you may not be able to get help from the government – and if you do, it will usually be after some delay.

Finally, payday lending has been used for scams more than once.

How to Find a Good Direct Lender in Jefferson City, Missouri Online

The best way to find a payday loan provider you can trust is to use the Internet. Many websites monitor the reputation of lenders and provide unbiased reviews of them. You can find some lists of trustworthy providers through these websites and choose from there.

Some of these websites will be able to offer you direct information about your city or state so that you can quickly find a lender closer to home.

How to Get the Best Deal in Jefferson City, Missouri

When looking for a lender, make sure that you consider the following factors:

• Do they have a license to provide payday loans? This will ensure that your loan is safe. If your provider doesn’t have a license or if it is not on the list of licensed lenders, there’s a chance you are getting scammed! The best sites will also be able to tell you if your provider is licensed or not.

• What are their fees? If you plan on taking out payday loans, it is best to compare your options and pick the provider that offers you the best deal. Even if they don’t have the lowest interest rate, they may be able to provide you with a better deal overall.

• What are their terms? The length of your loan and its terms should be specified in your contract with your lender. If you don’t like the times they are offering, you may be able to negotiate with them, especially if they have multiple lenders in your area.

• Can they provide me with a short-term loan? If you need immediate cash and don’t want to fall into credit card debt, you should look for short-term loan providers. These are usually smaller than long-term loans and come with various benefits. They are much more affordable than taking out a credit card loan or getting a bank overdraft.

As you can see, there are plenty of things to consider when looking for the best payday loans. Always take your time and do your research, and you will be able to make a smart choice.

Payday loans in Jeff City, MO:

  • Six months of an active checking account.
  • Two months employment history (proof of being employed and income to qualify).
  • Valid ID with current address (example: state-issued identification card or driver’s license).
  • A recent bank statement with a bank account number and routing number (or proof of direct deposit paystubs).
  • Proof of any payday loans or signature loan that has been paid back in full from the borrower’s account within the last six months.

Can I Get a Payday Loan for Bad Credit in Jefferson City, Missouri? 

Because payday loans are usually small, there are very few major credit checks that lenders perform. It is generally possible to get a payday loan even if you have bad credit. The main thing that can prevent you from getting a loan is the lack of collateral – in most cases, you will need to put up your car or other property of value as collateral to get a loan.

If you have a car and need a payday loan, you should be able to get a loan before you are turned down. Of course, you will not be able to get the highest limits on loans, but this is generally not an issue. If the lender thinks they will make more money by lending to someone with bad credit, they will probably refuse your loan.

24 Hour Payday Loans in Jefferson City, Missouri

Getting a payday loan is a simple process, and many online loan providers have made it even simpler. You can either get the information you need over the phone and then go to their office to get your money or apply for the loan online and pick up your cash at a convenient location.

Most of these locations are equipped to handle mobile check cashing and bill pay services. You will also be able to pick up deposits and do many other tasks.

A payday loan can help you in a bind, but you should make sure that you understand what the terms are before you take out the loan. Always read your contract carefully and make sure that you know what will happen if you cannot repay your loan in time. You may need to seek help from a consumer credit counseling service if you cannot pay back the money.

Can you get a payday loan in Jefferson City, Missouri without a bank account?

If you don’t already have a bank account, you may be able to get a payday loan without one. Most lenders will accept other forms of collateral, except for mortgages and cars. The only thing you need to put up as collateral is your paycheck from the last two weeks. If you can’t pay your loan back in two weeks, the lender can step in and take possession of your car or other property that you have on hand.

Most payday loans allow borrowers to pay back their loans over six months. The loan terms are based on how much you make and how much you need. Going over the limit will bring higher interest rates, so it is essential to read your contract carefully.

FAQ

Can I Borrow $1000 with a 24-Hour Loan in Jefferson City, Missouri?

You can get a payday loan without much difficulty if you need immediate cash. You will find that these companies are interested in your checking account and won’t care much about your credit history. Most of them will do a small amount of checking on your credit history to ensure that you aren’t a risky loan applicant.

Are Short-term Loans in Jefferson City, Missouri, good?

Short-term payday loans are as risky as long-term payday loans. Unlike with a traditional payday loan, you will be paying back your loan for the full term. This means that if you don’t pay back the entire loan amount in the time frame, you will have to pay an interest rate similar to the prime rate.

Are Same Day Loans in Jefferson City, Missouri real?

While same-day payday loans are mainly designed for those who have good credit, it is still possible to get a quick loan. Many lenders will do quick checks for your credit history and then approve you for a small loan. These loans normally have an interest rate similar to the prime rate, so you don’t have to worry about paying a lot of extra fees and interest.