Payday Loans in Laddonia, Missouri

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

Company nameAddressZip codePhone number
U.S. Bank Branch 100 E N Main St, Richmond, MO 64085 +1 (816) 776 - 5444
Arvest Bank 704 S Main St, Lockwood, MO 65682 +1 (417) 232 - 5400
Express Cash 822 S Main St, Sikeston, MO 63801 +1 (573) 471 - 3911
MoneyGram 709 S Jefferson Ave, Lebanon, MO 65536 +1 (417) 533 - 3156
Mariner Finance 930 Alexis Ave, Lebanon, MO 65536 +1 (417) 991 - 3077
U.S. Bank Branch 4056 US-54 3, Osage Beach, MO 65065 +1 (573) 348 - 1705
Roger McCoy - Raymond James 224 N Walnut St, Cameron, MO 64429 +1 (816) 632 - 7501
HomePride Bank 1112 N Jefferson St, Ava, MO 65608 +1 (417) 683 - 3211
Check Casher 1651 W 7th St, Joplin, MO 64801 +1 (417) 626 - 8899
U.S. Bank ATM - Chesterfield Schnucks 141 Hilltown Village Center, Chesterfield, MO 63017 +1 (800) 872 - 2657

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Laddonia, MO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Columbia, MO, Payday Loan Companies in Florissant, MO, 24-Hour Loan in Independence, MO, Payday Loans in Jefferson City, MO, Quick Loan in Joplin, MO, Payday Loan for Kansas City, MO, Payday Loans in Lee's Summit, MO and Payday Loans in Liberty, 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 Laddonia, MO.

Beautiful sights of Laddonia, MO

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

63352

Are Payday Loans Legal In Laddonia, 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

Laddonia, MO payday loan calculator

Payday Loans in Laddonia, Missouri

Payday loans, also known as cash advances, are short-term, high-interest loans that are typically used for emergency financial situations. These loans have been a popular option for many residents of Laddonia, Missouri, especially those who face unexpected expenses or have difficulty accessing traditional loans. In this article, we will explore the payday loan industry in Laddonia, Missouri, including applicable laws, how to obtain payday loans, and other useful information.

Legal Aspects of Payday Loans in Missouri

In the state of Missouri, payday loans are legal under the Missouri Revised Statutes Section 408.500 et seq. According to these statutes, lenders in Missouri may charge up to 75% interest rates on a payday loan. The maximum loan amount that a borrower can take out is $500, and the maximum loan term is 31 days.

It is important to note that borrowers are only allowed to take out one payday loan at a time, and lenders must have a valid state license to operate. Borrowers are also encouraged to read and understand the terms and conditions of their payday loans before signing any agreements.

How to Obtain a Payday Loan in Laddonia, Missouri

Obtaining a payday loan in Laddonia, Missouri, is a relatively straightforward process. First, applicants must be at least 18 years old and have a valid government-issued ID, such as a driver’s license. They must also have a steady source of income, such as a job or government benefits.

Next, applicants must find a reputable lender in Laddonia who offers payday loans. TheGuaranteedLoans is a connector service that can help potential borrowers find lenders who match their qualifications. The process of filling out an online application form is quick and simple, and lenders may respond within minutes to let borrowers know whether they qualify for a loan.

Once a borrower is approved for a payday loan, they typically receive the funds within one business day. However, it is important to note that if a borrower fails to repay the loan on time, the lender may charge additional fees and interest rates. It is therefore important to read and understand the terms and conditions before accepting a loan and make sure that repayment is made on time.

Interest Rates and Additional Fees for Payday Loans in Laddonia, Missouri

As mentioned earlier, lenders in Missouri may charge up to 75% interest rates on a payday loan. For example, if a borrower takes out a $300 payday loan for 14 days, the lender may charge up to $75 in interest fees. However, it is important to note that some lenders may charge additional fees such as origination fees, administrative fees, and late payment fees.

It is therefore important to read and understand the terms and conditions of a payday loan agreement before agreeing to it. A borrower should also consider other available options, such as credit counseling or traditional loans, before choosing to take out a payday loan.

Interesting Facts and Statistics About Payday Loans in Laddonia, Missouri

  • According to a study by the Pew Charitable Trusts, roughly 12 million Americans take out payday loans each year.
  • In Missouri, about one in four households are either unbanked or underbanked, meaning that they have limited or no access to traditional banking services. Payday loans may be seen as a more accessible alternative to these households.
  • Currently, there are about 939 payday lenders operating in Missouri, compared to around 90 McDonald’s locations and about 150 Starbucks locations.

Apply Now for a Payday Loan in Laddonia, Missouri

If you are in need of a payday loan in Laddonia, Missouri, TheGuaranteedLoans can help you connect with potential lenders quickly and easily. Simply fill out our online application form, and we will match you with lenders who meet your qualifications. Remember, payday loans can be helpful in emergency situations, but it is important to read and understand their terms and conditions to avoid any additional fees and interest charges. Click “Apply Now” to get started.

F.A.Q.

Are there any limits on the amount that can be borrowed?

Yes, in Laddonia, Missouri the maximum amount that can be borrowed is $500.

How long do I have to repay the loan?

Payday loans in Laddonia, Missouri must be repaid within 14-31 days.