Payday Loans in Laclede, Missouri

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

Company nameAddressZip codePhone number
Advance America 3907-A Main Street, Kansas City, MO 64111 +1 (816) 931 - 0075
Sure Finance 1716 W 9th St 5, Sedalia, MO 65301 +1 (660) 829 - 1122
Missouri Title Loans, Inc. 1440 W Kearney St, Springfield, MO 65803 +1 (417) 831 - 2774
Fairway Independent Mortgage Corporation 1021 Kingsway Dr Unit 11-C, Cape Girardeau, MO 63701 +1 (573) 651 - 9008
Empire Finance 15 E Stoddard St, Dexter, MO 63841 +1 (573) 614 - 4813
TitleMax Title Loans 15209 Manchester Rd, Ballwin, MO 63011 +1 (636) 527 - 8306
HNB Bank 103 E Main St, Perry, MO 63462 +1 (573) 565 - 2221
R & R Pawn Shop 214 E 3rd St, Cameron, MO 64429 +1 (816) 632 - 1787
LendNation 542 Walmart Dr, Sullivan, MO 63080 +1 (573) 860 - 2706
Video Plaza 201 N Main St, Butler, MO 64730 +1 (660) 679 - 4200

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Laclede, MO, you can try to find different companies in big cities near by. Check out the following pages here: Quick Loan in Saint Louis, MO, Payday Loans in Saint Peters, MO, Payday Loans in Springfield, MO, Payday Loans in Wentzville, MO, Payday Loans in Ballwin, MO, Online Loans in Blue Springs, MO, Payday Loan Companies in Cape Girardeau, MO and Quick Loan in Chesterfield, 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 Laclede, MO.

Beautiful sights of Laclede, MO

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

64651

Are Payday Loans Legal In Laclede, 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

Laclede, MO payday loan calculator

Payday Loans in Laclede, Missouri: All You Need to Know

Payday loans are short-term loans that help people cover unexpected expenses until their next paycheck. They have become increasingly popular in recent years and are now available in many states, including Missouri. For residents of Laclede, Missouri, payday loans can provide a convenient and fast solution to unexpected financial needs.

How Do Payday Loans Work?

Payday loans are usually small, ranging from $100 to $500, and are meant to be repaid within two weeks or on the borrower’s next payday. They have high-interest rates and fees and can become expensive if the borrower is unable to repay the loan on time. In Missouri, the maximum loan amount is $500, and the maximum fee a lender can charge is 75% of the loan amount.

To apply for a payday loan, borrowers need to provide proof of income, a valid photo ID, and a checking account. The lender will use the borrower’s checking account information to deposit the loan amount and withdraw the repayment on the due date.

Are Payday Loans Legal in Missouri?

Yes, payday loans are legal in Missouri, and lenders are required to hold a valid state license to offer payday loans. Missouri has regulations in place to protect borrowers, including caps on fees and interest rates, and restrictions on the number of loans a borrower can take out at once.

What Are the Benefits of Payday Loans?

  • Quick access to cash: Payday loans are designed to provide fast access to cash, which can be useful in emergency situations.
  • No credit checks: Payday lenders do not perform a credit check, which means borrowers with bad credit can still get approved.
  • No collateral required: Payday loans are unsecured, which means borrowers do not need to put up collateral such as a car or home.
  • Convenient application process: Payday loans can be applied for online or in-person, and the application process is usually straightforward.

What Are the Risks of Payday Loans?

  • High-interest rates and fees: Payday loans have high interest rates and fees, which can make the loan expensive if not repaid on time.
  • Debt cycle: If borrowers are unable to repay the loan on time, they may have to take out another loan to cover the fees and interest. This can lead to a cycle of debt that can be difficult to break.
  • Financial instability: Relying on payday loans can be a sign of financial instability, and can make it difficult to establish savings or a safety net for unexpected expenses in the future.

Interesting Facts and Statistics about Payday Loans in Laclede, Missouri

  • As of 2021, approximately 2.3 million payday loans were taken out in Missouri.
  • The average loan amount in Missouri is $306, and the average fee is $47 per loan.
  • The maximum term for a payday loan in Missouri is 31 days.

Apply Now

If you’re considering a payday loan in Laclede, Missouri, TheGuaranteedLoans can help connect you with a lender. Fill out our online application for fast and convenient access to cash. Remember, we are a connector service, not a direct lender, and we will facilitate your connection with potential lenders.

It’s important to carefully consider all factors before taking out a payday loan, including your ability to repay the loan on time. While payday loans can provide quick cash in an emergency, they come with risks and should be used as a last resort.

F.A.Q.

Are there any protections for borrowers in Laclede, Missouri when it comes to payday loans?

Yes, the state of Missouri has several laws in place to protect borrowers from predatory lending practices. These laws include limits on interest rates, fees, and loan terms, as well as requirements for lenders to provide borrowers with clear information about the terms of their loans.

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

To be eligible for a payday loan in Laclede, Missouri, you must be 18 years or older and have a regular source of income.