Payday Loans in Richards, Missouri

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

Company nameAddressZip codePhone number
allcal4you 70 N Shore Dr, Lake Ozark, MO 65049 +1 (573) 302 - 7200
Southern Bank 302 Washington St, Doniphan, MO 63935 +1 (573) 996 - 2166
Advance America 518 S. Washington St., Chillicothe, MO 64601 +1 (660) 707 - 1860
A-1 Premium Acceptance 18675 East 39th St S # B, Independence, MO 64057 +1 (816) 836 - 2037
Equity Bank 1601 Commercial St, Warsaw, MO 65355 +1 (660) 438 - 4040
Bank of St. Elizabeth at the Lake 3855 Osage Beach Pkwy, Osage Beach, MO 65065 +1 (573) 693 - 1352
Bank of New Madrid 229 Main St, New Madrid, MO 63869 +1 (573) 748 - 5551
Freedom Bank of Southern Missouri 24829 State Hwy 39, Shell Knob, MO 65747 +1 (417) 858 - 3136
A Plus Cash Advance Inc 954 S Main St C, Maryville, MO 64468 +1 (660) 582 - 3166
World Finance 772 E US Hwy 54 Ste 4, Camdenton, MO 65020 +1 (573) 317 - 9541

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Richards, MO, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Columbia, MO, Payday Loans in Florissant, MO, Payday Loan Without a Credit Check in Independence, MO, Payday Loans in Jefferson City, MO, Payday Loans in Joplin, MO, Payday Loans in Kansas City, MO, Payday Loans in Lee's Summit, MO and Payday Loan Without a Credit Check 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 Richards, MO.

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

64778

Are Payday Loans Legal In Richards, 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

Richards, MO payday loan calculator

Payday Loans in Richards, Missouri: What You Need to Know

If you’re facing an unexpected financial situation in Richards, Missouri, and need quick cash to cover costs, you may be considering a payday loan. Payday loans are short-term loans that typically provide borrowers with a small amount of funds to cover expenses until their next paycheck.

In Missouri, payday loans are legal, but it’s essential to understand the terms and regulations to ensure you’re making an informed decision. Here’s what you need to know about payday loans in Richards, Missouri.

Loan Limits and Terms

In Missouri, payday loans can be up to $500 and must typically be repaid within two to four weeks. Additional fees and interest may apply, depending on the lender and the loan terms.

It’s essential to read the terms carefully to understand the total cost of borrowing and the repayment schedule. This information should be disclosed in the loan agreement, so borrowers should review it before signing.

Eligibility Requirements

To qualify for a payday loan in Missouri, borrowers must meet several eligibility requirements. These may include:

  • Being at least 18 years old
  • Having a valid government-issued ID
  • Having a steady source of income
  • Having an active checking account

Lenders may also consider the borrower’s creditworthiness when deciding to approve a loan, but this is often secondary to meeting the eligibility requirements.

Benefits of Payday Loans

Payday loans can be beneficial for those facing unexpected expenses, such as car repairs or medical bills, that require a quick influx of cash. They offer several benefits over traditional loans, including:

  • Easy application process
  • No collateral required
  • Funds are available quickly
  • Can help build credit in some cases

However, payday loans also carry significant risks, including high interest rates and fees. Before taking out a payday loan, borrowers should consider the risks and ensure they have a plan to repay the loan.

The Application Process

The application process for payday loans is typically straightforward and can be completed online or in-person in some cases. Borrowers must provide personal information, such as their name, address, and employment information, to the lender. In some cases, the lender may also require access to the borrower’s checking account to deposit the funds.

Once the application is approved, the borrower receives the funds, and the repayment schedule is established. It’s crucial to understand the loan’s terms before accepting the funds to ensure you can repay the loan on time and avoid additional fees and interest.

Interesting Facts and Statistics about Payday Loans in Richards, Missouri

  • Missouri has one of the highest payday loan usage rates per capita in the United States.
  • As of 2019, there were over 1,000 payday loan stores in Missouri.
  • In 2018, payday loan companies in Missouri charged an average of $95 in interest and fees on a $300 loan.
  • Approximately 75% of payday loan borrowers in Missouri take out multiple loans within a year.

Apply Now

If you’re facing unexpected expenses and need quick cash in Richards, Missouri, TheGuaranteedLoans can help connect you with potential lenders. Fill out our online application to get started today. It’s essential to remember that TheGuaranteedLoans is not a direct lender and only connects borrowers with potential lenders. Borrowers should review the loan terms carefully before accepting funds.

Remember, payday loans should be used responsibly and only for unexpected expenses that can’t be covered by other means. If you’re struggling with ongoing financial issues, seeking the help of a financial advisor may be a better option.

F.A.Q.

Can I apply for a payday loan if I have bad credit in Richards, Missouri?

Yes, payday loans in Richards, Missouri do not require a credit check, so having bad credit will not necessarily disqualify you from obtaining a loan.

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

To be eligible for a payday loan in Richards, Missouri, you must be at least 18 years old, have a verifiable source of income, and have an active checking account.