Payday Loans in Kaiser, Missouri

All Credits Welcome!

If you have a bad credit score, then don’t worry – it’s not an issue for us!

TGL Loan Services

You can get your money fast after filling out the simple form on the "Get Started" page! Lenders cannot guarantee the approval, but they could approve your loans, even if you are unemployed, receiving government benefits.

Fast Money In Your Bank

You can get your money within hours after filling out the form! We work 24/7 for you!
  • This form is protected with secure 256-bit SSL encryption
  • By clicking “Get Started”, I consent and agree to the Privacy Policy and Terms of Use.

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

Company nameAddressZip codePhone number
Sun Loan Company 1210 N Morley, Ste A & B, Moberly, MO 65270 +1 (660) 263 - 3992
Peoples Bank-Moniteau County 105 W Row St, Jamestown, MO 65046 +1 (660) 849 - 2121
Sun Loan Company 1303 N Washington Street, Chillicothe, MO 64601 +1 (660) 707 - 0222
Title Cash 1808 E 9th St, Trenton, MO 64683 +1 (660) 339 - 9900
La Monte Community Bank 201 Front St, La Monte, MO 65337 +1 (660) 347 - 5656
Wall Street Coin Pawn & Loan 720 Washington St, Chillicothe, MO 64601 +1 (660) 240 - 5051
Check `n Go 1961 Wentzville Pkwy, Wentzville, MO 63385 +1 (636) 327 - 7712
Banner Finance 1 S Plaza Way, Cape Girardeau, MO 63703 +1 (573) 332 - 0383
Sun Loan Company 1349 Maple St, Farmington, MO 63640 +1 (573) 756 - 1623
Peoples Community Bank 101 Sycamore St, Greenville, MO 63944 +1 (573) 224 - 3267

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Kaiser, MO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Saint Charles, MO, Online Loans in Saint Joseph, MO, Bad Credit Loans in Saint Louis, MO, Payday Loan Without a Credit Check in Saint Peters, MO, Payday Loans in Springfield, MO, 24-Hour Loan in Wentzville, MO, Payday Loans in Ballwin, MO and 24-Hour Loan in Blue Springs, 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 Kaiser, MO.

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

65047, 65065

Are Payday Loans Legal In Kaiser, 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

Kaiser, MO payday loan calculator

Everything You Need to Know About Payday Loans in Kaiser, Missouri

Payday loans are short-term, high-interest loans designed to help individuals who need fast cash to meet unexpected expenses, like medical bills, car repairs, or overdue rent. In Kaiser, Missouri, payday loans are legal, and there are many lenders willing to provide this service to residents of the area. However, before applying for a payday loan, it’s essential to understand how they work, the costs involved, and the risks you should consider. Here, we will give you a comprehensive guide to payday loans in Kaiser, Missouri.

How Do Payday Loans Work?

Payday loans are supposed to be small-dollar loans that borrowers can repay on their next payday. The loan’s principal amount usually ranges from $100 to $500, with a repayment term of around 14-30 days. However, the loan’s interest rates are quite high, with some lenders charging up to 400% APR or more, depending on the loan amount and the loan term.

To apply for a payday loan in Kaiser, Missouri, you need to provide proof of income, a valid government-issued identification card, and a bank account. You can apply for a payday loan at a storefront lender, over the phone, or online. Once you are approved, the lender will either give you cash or deposit the loan amount into your bank account.

The Costs of Payday Loans

As mentioned earlier, payday loans carry high-interest rates and fees that can make them unaffordable for some borrowers. In Kaiser, Missouri, the maximum finance charge allowed by law is $75 for a $100 loan. Thus, if you borrow $100 for two weeks, you will be required to pay back $175, which translates to 450% APR. If you fail to repay the loan on time, the lender may charge additional fees, rollover the loan, or initiate debt collection proceedings against you.

The Risks of Payday Loans

Although payday loans can help you when you’re in a financial bind, they come with some risks that you should consider before applying for one. Firstly, payday loans are costly, and if you cannot repay the loan on time, you may incur additional fees and interest charges, which can lead to a debt trap. Secondly, some lenders may engage in predatory lending practices, which can harm your financial well-being. Lastly, payday loans may not solve your underlying financial problems, and you may end up taking out multiple loans, which may be difficult to repay.

Interesting Facts and Statistics About Payday Loans in Kaiser, Missouri

  • According to a report by the Consumer Financial Protection Bureau, the average payday loan borrower takes out eight loans per year, and about 80% of payday loans are rolled over or renewed.
  • In Missouri, the average payday loan amount is $307, and the average APR is 462%, according to Pew Charitable Trusts.
  • As of 2021, the Missouri Division of Finance has licensed 1,318 lenders to offer small loans, including payday and title loans.
  • Payday loans are prohibited in fourteen states, including New York, New Jersey, and Pennsylvania, among others.

Apply Now

If you are in need of fast cash to pay for unexpected expenses, you can apply for a payday loan through TheGuaranteedLoans. Our platform connects borrowers with a network of reputable lenders who can offer payday loans that meet their specific needs. We are not a direct lender, and we don’t charge any fees for our services. Simply fill out our online application form, and we will match you with a lender that suits your needs.

Remember, payday loans should not be your first option when you need fast cash. Consider other alternatives like personal loans, credit cards, or borrowing from family and friends. If you must take out a payday loan, be sure to read the terms and conditions carefully, and only borrow what you can afford to repay.

F.A.Q.

Can I be sued or have my wages garnished if I cannot repay my payday loan in Kaiser, Missouri?

Yes, if you fail to repay your payday loan in Kaiser, Missouri, the lender may take legal action to recover the debt, including suing you or garnishing your wages.

Can I file a complaint about a payday lender in Kaiser, Missouri?

Yes, if you have a complaint about a payday lender in Kaiser, Missouri, you can contact the state's Division of Finance to file a complaint and seek assistance.