Payday Loans in Lodi, Missouri

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

Company nameAddressZip codePhone number
U.S. Bank Branch 115 E Franklin St, Clinton, MO 64735 +1 (660) 885 - 7151
Advance America 1316 S Baltimore St, Kirksville, MO 63501 +1 (660) 665 - 4937
Arvest Bank 503 Main St, Cassville, MO 65625 +1 (417) 846 - 1500
Noble Finance 2900 MO-291, Independence, MO 64057 +1 (816) 765 - 1991
Proacct Financial Services 910 N Bluff St, Fulton, MO 65251 +1 (573) 642 - 1800
Advance America 1717 E Ohio St, Clinton, MO 64735 +1 (660) 885 - 3182
TitleMax Title Secured Loans 1921 W Jesse James Rd, Excelsior Springs, MO 64024 +1 (816) 637 - 2691
Quick Cash of Missouri HC 5 Box 81-7, Gainesville, MO 65655 +1 (417) 679 - 0415
Banner Finance 757 Market St, Farmington, MO 63640 +1 (573) 756 - 6066
TitleMax Title Secured Loans 2923 W Broadway Blvd Suite 2, Sedalia, MO 65301 +1 (660) 827 - 2830

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Lodi, MO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Saint Charles, MO, Short-term Loans in Saint Joseph, MO, Payday Loans in Saint Louis, MO, Online Loans in Saint Peters, MO, No Credit Check Loans in Springfield, MO, Same Day Loans in Wentzville, MO, Quick Loan 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 Lodi, MO.

Are Payday Loans Legal In Lodi, 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

Lodi, MO payday loan calculator

Understanding Payday Loans in Lodi, Missouri

Payday loans are a popular and convenient option for those who need a quick cash infusion to cover an unexpected expense or bridge the gap until their next paycheck. In Lodi, Missouri, payday loans are a legal option for borrowers who meet certain eligibility requirements.

How Payday Loans Work

A payday loan is a short-term loan that allows borrowers to access cash quickly. Generally, borrowers must provide proof of income and have a bank account in order to be eligible for a payday loan. In Lodi, Missouri, borrowers are able to take out loans up to $500, and lenders are able to charge up to 75% in interest and fees.

When a borrower takes out a payday loan, they are typically required to repay the loan in full on their next payday. This can be a useful option for those who need cash to cover an unexpected expense, but it’s important to be aware of the costs associated with payday loans. Interest rates and fees can be high, and borrowers who are unable to repay their loan in full can find themselves in a cycle of debt.

Eligibility Requirements

In order to be eligible for a payday loan in Lodi, Missouri, borrowers must:

  • Be at least 18 years old
  • Be a US citizen or permanent resident
  • Have a valid ID
  • Have a steady source of income
  • Have an active bank account

It’s important to note that payday loans are not available to active-duty military members or their dependents.

The Benefits and Risks of Payday Loans

Payday loans can be a useful option for those who need cash quickly, but it’s important to understand the risks associated with these types of loans. The main benefit of a payday loan is that borrowers can access cash quickly, often within as little as a few hours. However, interest rates and fees can be high, and borrowers who are unable to repay their loan in full on their next payday can find themselves in a cycle of debt.

It’s important to carefully consider the costs associated with a payday loan before taking out a loan. Borrowers should also ensure that they are able to repay the loan in full on their next payday in order to avoid additional fees and interest charges.

Interesting Facts and Statistics About Payday Loans in Lodi, Missouri

  • Missouri has more than 1,000 payday loan stores, making it one of the largest payday lending markets in the United States.
  • In a 2016 Pew Charitable Trust survey, Missourians reported borrowing an average of eight loans a year, with an average loan size of $408.
  • According to a 2018 report by the St. Louis Federal Reserve, payday loan borrowers in Missouri are disproportionately low-income and lack access to other forms of credit.

Apply Now with TheGuaranteedLoans

If you’re considering a payday loan in Lodi, Missouri, TheGuaranteedLoans can help. We are a connector service that can facilitate your connection with potential lenders who may be able to provide you with the cash you need.

It’s important to remember that TheGuaranteedLoans is not a direct lender and does not make lending decisions. Instead, we work with a network of lenders to help you find the right loan for your needs.

To get started, simply fill out our online application. It’s fast, easy, and secure, and you’ll receive a response from potential lenders within minutes.

Don’t let a financial emergency catch you off guard. Apply now with TheGuaranteedLoans and get the cash you need to get back on track.

F.A.Q.

Can I get a payday loan from more than one lender at a time in Lodi, Missouri?

No, it is illegal to have multiple payday loans from different lenders at the same time in Lodi, Missouri.

How do I repay my payday loan in Lodi, Missouri?

Most payday lenders in Lodi, Missouri will automatically withdraw the loan amount plus fees and interest from your checking account on the due date.