Payday Loans in La Grange, Missouri

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

Company nameAddressZip codePhone number
Hawthorn Bank 1400 E Ohio St, Clinton, MO 64735 +1 (660) 885 - 2241
Payless Check Cashing 10408 Blue Ridge Blvd, Kansas City, MO 64134 +1 (816) 765 - 6659
Michael Roughton - Prudential Financial 705 Illinois Ave 22, Joplin, MO 64801 +1 (417) 624 - 6100
Tower Loan 121 S Broadview St 9, Cape Girardeau, MO 63703 +1 (573) 332 - 1919
Check Into Cash 864 US-60, Monett, MO 65708 +1 (417) 354 - 0869
Sun Loan Company 11902 Blue Ridge Ext s, Grandview, MO 64030 +1 (816) 763 - 1635
Simmons Bank 800 Ozark St, Cabool, MO 65689 +1 (417) 962 - 0002
Community Bank & Trust 101 S Main St, Carl Junction, MO 64834 +1 (417) 649 - 7255
First Missouri Bank of SEMO 500 Independence Ave, Kennett, MO 63857 +1 (573) 717 - 7177
Empire Finance 121 S Broadview St STE 8, Cape Girardeau, MO 63703 +1 (573) 651 - 6576

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in La Grange, 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 Loans in Blue Springs, MO, Same Day Loans in Cape Girardeau, MO, Emergency Loan in Chesterfield, MO, Payday Loans in Columbia, MO, Payday Loans in Florissant, MO, Guaranteed Loans in Independence, MO and Payday Loans 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 La Grange, MO.

Beautiful sights of La Grange, MO

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

63448

Are Payday Loans Legal In La Grange, 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

La Grange, MO payday loan calculator

If you’re a resident of La Grange, Missouri and need a quick infusion of cash, you may be considering payday loans as a short-term financial solution. While payday loans do come with high interest rates and fees, they can be a helpful tool when you’re facing a financial emergency. In this article, we’ll dive into the world of payday loans in La Grange, Missouri, covering everything from how they work to how to apply.

How do payday loans work?

Payday loans are a type of short-term loan that are typically due on your next payday. They’re meant to bridge the gap between paychecks when unexpected expenses arise. Typically, you’ll need to provide proof of income and a valid ID to qualify for a payday loan. The loan amount you’re approved for will depend on your income and other factors determined by the lender.

When you take out a payday loan, the lender will typically require that you write a post-dated check or provide your bank account information. This ensures that they’ll be able to collect the loan amount plus any fees and interest on the due date. If the loan is not paid back in full by the due date, you may be subject to additional fees and interest.

Are payday loans legal in Missouri?

Yes, payday loans are legal in Missouri. However, there are strict regulations in place to protect consumers from predatory lending practices. Missouri law caps the interest rate on payday loans at 75%, and borrowers are limited to one loan at a time. Additionally, lenders are required to provide clear information about the terms and fees associated with the loan.

What are the fees associated with payday loans?

The fees associated with payday loans can vary depending on the lender and the loan amount. Generally, lenders will charge a fee of $10 to $30 per $100 borrowed. This equates to an annual percentage rate (APR) of around 391% for a 14-day loan. Additionally, you may be subject to fees for late or missed payments.

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

If you’ve decided that a payday loan is the right option for your financial needs, the application process is relatively simple. Most lenders will allow you to apply online or in person at a storefront location.

To apply, you’ll typically need to provide proof of income and a valid ID. The lender will also require your bank account information to set up the loan and collect payments. Make sure to read the terms and fees carefully before signing the loan agreement.

Interesting Facts about Payday Loans in La Grange, Missouri

  • According to a report by the Missouri Division of Finance, the average payday loan in Missouri is $315, with an average interest rate of 454%.
  • In 2019, Missouri lawmakers attempted to pass legislation raising the maximum payday loan amount to $2,500. The bill was eventually vetoed by Governor Mike Parson.
  • A 2013 study by the Consumer Financial Protection Bureau found that around 80% of payday loans are rolled over or renewed, leading to additional fees and interest.

Apply Now

If you’ve weighed the options and determined that a payday loan is the right choice for your needs, TheGuaranteedLoans can help connect you with potential lenders. As a connector service, we facilitate the lending process by matching borrowers with lenders who may be able to provide the funds they need. Keep in mind that payday loans should only be used as a short-term financial solution, and you should always read the terms and fees carefully before accepting a loan.

Ready to get started? Fill out our online application today to see what lending options may be available to you.

F.A.Q.

Are there any alternatives to payday loans in La Grange, Missouri?

Yes, there are other short-term loan options available in La Grange, Missouri, such as installment loans or credit union loans.

Are there any restrictions on how payday lenders can advertise in La Grange, Missouri?

Yes, payday lenders in La Grange, Missouri are not allowed to use false or misleading advertising, and must disclose all loan terms and fees clearly and prominently.