Payday Loans in Knox City, Missouri

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

Company nameAddressZip codePhone number
FCNB Insurance Services Inc 857 E Main St 2, Willow Springs, MO 65793 +1 (417) 469 - 2625
Johnson & Niswonger Financial 27 W St Joseph St, Perryville, MO 63775 +1 (573) 547 - 7400
Car Title Loans of America 3905 S Limit Ave, Sedalia, MO 65301 +1 (660) 829 - 5626
Regional Finance 2101 W Broadway Suite 204, Columbia, MO 65203 +1 (573) 234 - 2757
Great Western Bank 224 W Wood St, Albany, MO 64402 +1 (660) 726 - 4000
LendNation 212 N Progress Drive Suite 30, Perryville, MO 63775 +1 (573) 547 - 7665
LendNation 1102 S Glenstone Ave, Springfield, MO 65804 +1 (417) 831 - 0025
Heartland Payday Loans Neosho, MO 64850 +1 (573) 624 - 3585
Title Cash 718 W Osage St, Pacific, MO 63069 +1 (636) 257 - 2499
Missouri Gold & Silver 115 S Neosho Blvd, Neosho, MO 64850 +1 (417) 455 - 2299

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Knox City, MO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan Without a Credit Check in Saint Charles, MO, Emergency Loan in Saint Joseph, MO, Payday Loans in Saint Louis, MO, Payday Loan for Saint Peters, MO, Payday Loans in Springfield, MO, Payday Loans in Wentzville, MO, Payday Loans in Ballwin, MO and Payday Loans 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 Knox City, MO.

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

63446

Are Payday Loans Legal In Knox 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

Knox City, MO payday loan calculator

Payday Loans in Knox City, Missouri: Your Guide to Fast Cash

If you’re struggling to make ends meet between paychecks, payday loans can be a lifeline when you need cash fast. In Missouri, payday loans are legal, but there are restrictions and regulations lenders must follow.

What is a Payday Loan?

A payday loan is a short-term, high-interest loan that is typically due on your next payday. In Knox City, Missouri, lenders can offer up to $500 in payday loans. However, the loan amount cannot exceed 20% of the borrower’s gross monthly income.

For example, if you earn $2,000 per month, the maximum loan amount you could be approved for would be $400.

How Do Payday Loans Work?

Payday loans are designed to help you cover unexpected expenses and bills that cannot wait until your next paycheck. When you apply for a payday loan, the lender will typically ask for proof of income, an active checking account, and a government-issued ID.

If you meet the lender’s requirements, they may approve your loan and give you cash on the spot, or deposit the funds into your checking account. You will then be expected to pay back the loan and any interest and fees in full on your next payday.

The Pros and Cons of Payday Loans

As with any financial product, there are pros and cons to using payday loans. Here are a few to consider:

  • Pros: Payday loans are fast and easy to get, even with bad credit. They can help you cover unexpected expenses and bills that cannot wait until your next paycheck.
  • Cons: Payday loans have high-interest rates and fees, which can make them expensive. If you cannot pay back the loan in full on your next payday, you may get stuck in a cycle of debt.

Important Regulations for Payday Loans in Missouri

Missouri has several regulations in place to protect borrowers from predatory lending practices. Here are a few of the key regulations to keep in mind:

  • Limits on loan amount: Lenders can offer up to $500 or 20% of the borrower’s gross monthly income, whichever is less.
  • Maximum loan term: The loan term cannot exceed 31 days.
  • Rollovers: Lenders cannot renew or extend a payday loan more than six times.

Interesting Facts and Statistics About Payday Loans in Knox City, Missouri

Did you know that the average payday loan borrower takes out eight loans per year, with an annual interest rate of 400%?

In Knox City, Missouri, the average payday loan is $320 and the average term is 16 days. However, over 70% of borrowers take out more than one loan per year.

Apply Now

If you need fast cash to cover unexpected expenses, TheGuaranteedLoans can help connect you with potential lenders. Fill out our online application today and get started.

Remember, we are a connector service and not a direct lender. We do not make credit decisions or determine the loan terms and rates. Once you submit your application, we will facilitate your connection with potential lenders who may be able to assist you.

Payday loans can provide a solution to short-term financial challenges. Just ensure you’re aware of the regulations and can repay the loan before borrowing.

F.A.Q.

Can I apply for a payday loan if I have bad credit in Knox City, Missouri?

Yes, payday loans in Knox City, Missouri do not require a credit check, so having bad credit will not necessarily disqualify you from obtaining a loan.

What are the eligibility requirements for payday loans in Knox City, Missouri?

To be eligible for a payday loan in Knox City, Missouri, you must be at least 18 years old, have a verifiable source of income, and have an active checking account.