Payday Loans in Pontiac, Missouri

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

Company nameAddressZip codePhone number
Missouri Loan Center 801 S Sam Houston Blvd, Houston, MO 65483 +1 (417) 967 - 2274
Advance America 120-A W George E Phelps Blvd, Carthage, MO 64836 +1 (417) 237 - 0278
Tower Loan 1203 B, S Buckner Tarsney Rd, Grain Valley, MO 64029 +1 (816) 443 - 2004
F & C Bank 102 N Bynum Rd, Lone Jack, MO 64070 +1 (816) 697 - 3311
Quick Loans 300 W Mt Vernon St F, Nixa, MO 65714 +1 (417) 725 - 5010
TitleMax Title Loans 11915 Blue Ridge Blvd, Grandview, MO 64030 +1 (816) 966 - 9921
Quick Cash 217 N Main St, Sikeston, MO 63801 +1 (573) 481 - 9657
BTC Bank 1201-2 US-65 Business, Carrollton, MO 64633 +1 (660) 542 - 9855
Payday Check Cashers 502 Main St, Cassville, MO 65625 +1 (417) 847 - 3970
Mexico Cash Until Payday 110 N Jefferson St, Mexico, MO 65265 +1 (573) 582 - 1390

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Pontiac, MO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Cape Girardeau, MO, 24-Hour Loan in Chesterfield, MO, Same Day Loans in Columbia, MO, Payday Loans in Florissant, MO, Payday Loans in Independence, MO, Payday Loans in Jefferson City, MO, Payday Loan for Joplin, MO and Guaranteed Loans in Kansas 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 Pontiac, MO.

Beautiful sights of Pontiac, MO

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

65729

Are Payday Loans Legal In Pontiac, 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

Pontiac, MO payday loan calculator

The Ins and Outs of Payday Loans in Pontiac, Missouri: A Comprehensive Guide

For many people in Pontiac, Missouri, a payday loan can be a helpful financial lifeline when a paycheck just isn’t enough to cover an unexpected expense. However, it’s important to understand the risks and benefits associated with these loans before taking one out. Here’s everything you need to know about payday loans in Pontiac, Missouri.

What is a Payday Loan?

A payday loan is a short-term loan that typically must be repaid within two weeks to a month. In Pontiac, Missouri, these loans are legal and regulated by state law. To apply for a payday loan, borrowers typically need to provide proof of income and employment, and lenders will check the borrower’s credit history to determine eligibility.

Payday loans can be used for a variety of expenses, such as medical bills, car repairs, or even just to cover rent or groceries until the next paycheck arrives. However, because these loans come with high fees and interest rates, they are not a sustainable solution for long-term financial problems.

How Much Can You Borrow?

In Pontiac, Missouri, borrowers can typically take out payday loans of up to $500. However, the amount that a borrower can receive may vary depending on their income and credit history. Additionally, borrowers should be aware of the high interest rates and fees associated with payday loans, which can quickly add up to significant amounts.

What are the Risks?

While payday loans can be a helpful solution for urgent financial needs, they also come with significant risks. High interest rates and fees can make it difficult for borrowers to repay the loan on time, which can result in even higher fees and interest rates. Additionally, some lenders may engage in predatory practices that can trap borrowers in a cycle of debt.

It’s essential that borrowers understand the risks associated with payday loans and carefully consider their options before taking one out.

Interesting Facts and Statistics about Payday Loans in Pontiac, Missouri

  • According to the Missouri Division of Finance, there were 2,338 licensed payday lenders operating in the state as of April 2021.
  • As of 2021, the average annual percentage rate (APR) for a payday loan in Missouri is 462%.
  • In 2020, the Missouri Attorney General’s Office received over 1,000 complaints about payday loans.

How to Apply for a Payday Loan

At TheGuaranteedLoans, we work with a network of trusted lenders who can provide competitive rates for payday loans in Pontiac, Missouri. To apply for a loan, simply complete our online application form, and one of our representatives will contact you with options for lenders who can provide the funds you need.

Remember, TheGuaranteedLoans is a connector service, not a direct lender. We work with lenders who offer transparent rates and fees, so you can feel confident in your borrowing decision.

The Bottom Line

While payday loans can be a helpful solution for short-term financial needs, they come with significant risks and should be used cautiously. By understanding the terms and fees associated with these loans, borrowers in Pontiac, Missouri can make informed decisions about their finances and avoid falling into a cycle of debt.

At TheGuaranteedLoans, we’re here to help you navigate your options for payday loans in Pontiac, Missouri, and find the best solution to meet your needs. Apply now to get started!

F.A.Q.

Can I apply for a payday loan online in Pontiac, Missouri?

Yes, many payday lenders in Pontiac, Missouri offer online application and approval processes.

Are there any restrictions on how payday loan funds can be used?

No, payday loan funds can be used for any purpose, as determined by the borrower.