Payday Loans in Laquey, Missouri

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

Company nameAddressZip codePhone number
U.S. Bank ATM - Laurie 409 N Main St, Gravois Mills, MO 65037 +1 (800) 872 - 2657
Cash-N-Go 104 N Main St, Windsor, MO 65360 +1 (660) 647 - 2290
World Finance Corporation 6 Northport Plaza, Hannibal, MO 63401 +1 (573) 231 - 0907
Security Finance 105 Dell Centre Way, Union, MO 63084 +1 (636) 583 - 8777
Title Cash 4655 State Hwy MM, House Springs, MO 63051 +1 (636) 375 - 5418
King of Kash 610 Walton Dr, Farmington, MO 63640 +1 (573) 705 - 7125
Check `n Go 1241 Water Tower Pl, Arnold, MO 63010 +1 (636) 296 - 6700
Cash Depot Payday Loans 1118 N Douglass St, Malden, MO 63863 +1 (573) 276 - 6000
TitleMax Title Secured Loans 1001 Missouri Blvd, Jefferson City, MO 65109 +1 (573) 635 - 3369
Educational Community Credit Union 1550 W Diane St, Ozark, MO 65721 +1 (417) 485 - 3661

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Laquey, MO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Saint Louis, MO, Payday Loan Without a Credit Check in Saint Peters, MO, Payday Loans in Springfield, MO, Short-term Loans in Wentzville, MO, Payday Loans in Ballwin, MO, Emergency Loan in Blue Springs, MO, Payday Loan for Cape Girardeau, MO and Payday Loans 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 Laquey, MO.

Are Payday Loans Legal In Laquey, 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

Laquey, MO payday loan calculator

Understanding Payday Loans in Laquey, Missouri

Payday loans are short-term loans intended to assist individuals in meeting their immediate financial needs. These loans have been deemed legal in Missouri, which makes them available in the city of Laquey.

However, it is essential to understand what payday loans are and how they work before considering them as a viable option for a temporary financial solution.

What are Payday Loans?

Payday loans are unsecured loans that provide individuals with quick access to cash for a short period, usually until their next paycheck. To secure a payday loan, the borrower must provide proof of employment and a checking account. They apply for the loan and agree to repay it in a single lump sum on their next payday. The loan amount is typically between $100 and $500. However, the loan amount may vary depending on the lender and the borrower’s income.

Interest Rates and Fees

Payday loans have a high-interest rate, given their short-term and low-value nature. The maximum annual percentage rate (APR) in Missouri is 462%, which means that if you borrow $100, you will be required to pay $117.65 within two weeks. This percentage may vary based on the loan amount, the lender’s policy and the borrower’s credit history.

Payday lenders typically charge an additional fee, ranging from $10 to $30 for every $100 borrowed. Thus, for example, if a borrower takes out a $200 payday loan with a $20 fee, they will need to pay $240 in total when the loan period ends.

It is crucial to understand and agree to all the terms and conditions before accepting the loan to ensure you can meet the repayment requirements. Repaying the loan on time is necessary if you do not want late fees or damage to your credit score.

The Process of Applying for Payday Loans in Laquey, Missouri

The process of applying for payday loans is typically quick and straightforward. The following are the steps to getting a payday loan in Laquey, Missouri:

  • Gather all the necessary documents and information – proof of employment, checking account balance, social security number, and state-issued ID.
  • Search for a reputable payday lender that operates in Missouri, like TheGuaranteedLoans.
  • Fill out the application form with your personal information and submit it.
  • The lender will evaluate the application and inform you whether the loan is approved or not.
  • If approved, review all the loan terms and fees, including the repayment period and interest rate.
  • Agree to the loan terms and sign the agreement.
  • The lender will provide the loan amount to your checking account within 24 hours, or you can pick a cash loan in-person.

Interesting Facts and Statistics about Payday Loans in Laquey, Missouri

– The average payday loan amount in Missouri is around $307.

– Around 2.43 million payday loans were taken out by Missouri residents in 2019.

– Despite the high-interest rates and fees, payday loans are a popular credit option among Missouri residents, with over 1,140 lenders operating across the state.

Applying for a Payday Loan in Laquey, Missouri

If you are considering getting a payday loan in Laquey, Missouri, TheGuaranteedLoans is here to help. As a connector service, we work with a network of reputable lenders to provide you with fast and secure access to payday loans. Our online application process is quick and straightforward, and we will connect you with a lender that meets your specific needs within minutes.

To apply for a payday loan with TheGuaranteedLoans, simply fill out the online application form available on our website and select the loan amount you need. Remember, we are a connector service, not a direct lender. We aim to help our clients find reputable lenders in Laquey and Missouri.

Apply Now

Don’t let unexpected expenses or immediate financial needs stress you out. Apply for a payday loan in Laquey, Missouri, with TheGuaranteedLoans today and get the financial assistance you need.

F.A.Q.

Can I file a complaint if I have a problem with a payday lender in Laquey, Missouri?

Yes, you can file a complaint with the Missouri Division of Finance.

Is there any support or assistance available for borrowers struggling to repay payday loans in Laquey, Missouri?

Yes, the Missouri Division of Finance offers resources and guidance for borrowers who are struggling with payday loan debt. Additionally, there are non-profit organizations and credit counseling services that offer assistance with debt management.