Payday Loans in Saint Elizabeth, Missouri

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

Company nameAddressZip codePhone number
Arvest Bank 24832 State Hwy 39, Shell Knob, MO 65747 +1 (417) 858 - 0226
World Finance 1320 US-24 Ste B, Moberly, MO 65270 +1 (660) 263 - 6605
The Loan Machine 1655 W State Hwy J, Ozark, MO 65721 +1 (417) 582 - 0157
Financial Advisors U.S. Bancorp Investments 1076 US-54, Camdenton, MO 65020 +1 (573) 317 - 9755
Loan Master 105 Walker Dr, Farmington, MO 63640 +1 (573) 747 - 1903
Title Cash of Missour Inc 104 N Truman Blvd, Festus, MO 63028 +1 (636) 937 - 7447
Check Into Cash 1740-A N Bishop Ave, Rolla, MO 65401 +1 (573) 341 - 5013
Sun Loan Company 1303 N Washington Street, Chillicothe, MO 64601 +1 (660) 707 - 0222
Cash America Pawn 11501 US-24, Independence, MO 64054 +1 (816) 836 - 9994
LendNation 116 S Forrest Avenue, Liberty, MO 64068 +1 (816) 415 - 0636

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Elizabeth, MO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Springfield, MO, No Credit Check Loans in Wentzville, MO, Payday Loans in Ballwin, MO, No Credit Check Loans in Blue Springs, MO, Short-term Loans in Cape Girardeau, MO, Payday Loans in Chesterfield, MO, Payday Loan for Columbia, MO and Short-term Loans in Florissant, 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 Saint Elizabeth, MO.

Are Payday Loans Legal In Saint Elizabeth, 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

Saint Elizabeth, MO payday loan calculator

Payday Loans in Saint Elizabeth, Missouri

When unexpected expenses arise, many people turn to payday loans as a way to get quick cash. For those living in Saint Elizabeth, Missouri, payday loans are a legal option. In this article, we’ll take a closer look at how payday loans work, what the regulations are in Missouri, and what you should know before taking out a payday loan in Saint Elizabeth.

What Is a Payday Loan?

A payday loan is a type of short-term loan that is designed to help people cover unexpected expenses between paychecks. These loans typically have high-interest rates and fees and are meant to be paid back quickly, usually within a few weeks.

Payday loans are often easy to obtain, and lenders do not typically require a credit check. In some cases, borrowers may only need to provide proof of income and a valid ID to obtain a loan.

Payday Loans in Missouri

Prior to 2018, payday loans were legal in Missouri but were subject to certain regulations. However, in 2018, voters in Missouri approved Proposition 111, which introduced new regulations for payday loans in the state.

Under the new regulations, payday lenders are required to obtain a license from the state, and borrowers are limited to taking out a maximum of $500 in loans at any one time. Additionally, lenders must provide borrowers with a repayment plan that extends over at least 90 days if the borrower takes out more than six loans in a year.

It’s important to note that these regulations only apply to licensed lenders in Missouri. Unlicensed lenders, sometimes known as “predatory lenders,” may not follow these regulations and may charge significantly higher fees and interest rates.

What You Need to Know Before Taking Out a Payday Loan in Saint Elizabeth

While payday loans can be a quick and easy way to borrow money, they can also be costly. Before taking out a payday loan in Saint Elizabeth, it’s important to consider the following:

  • Interest Rates and Fees: Payday loans typically come with high-interest rates and fees. Make sure you understand what these are before taking out a loan.
  • Repayment Terms: Payday loans typically need to be repaid quickly, usually within a few weeks. Be sure you understand the repayment terms before borrowing.
  • Alternatives: Consider all other options before taking out a payday loan, including asking friends or family for help, negotiating with creditors, or exploring other sources of credit.

Apply Now

If you’ve determined that a payday loan is the right option for you, TheGuaranteedLoans can help connect you with potential lenders. We are a connector service and not a direct lender. Fill out an application on our website, and we’ll work to connect you with a reputable lender who can offer you a loan that meets your needs.

Interesting Facts and Statistics

  • Missouri has one of the highest average interest rates on payday loans in the United States, with an average rate of 462%.
  • In 2016, Missouri payday lenders issued more than 1.6 million loans, totaling more than $1 billion.
  • According to a 2015 survey, about 12% of Missouri residents had taken out a payday loan in the previous five years.

While payday loans can provide a valuable service for those in need of quick cash, they can also be expensive and lead to a cycle of debt. Before taking out a payday loan in Saint Elizabeth, it’s important to carefully consider your options and understand the terms of the loan. By doing so, you can make an informed decision that will help you stay financially stable.

F.A.Q.

Are there any alternatives to payday loans in Saint Elizabeth, Missouri?

Yes, there are other options for short-term financial assistance, such as personal loans or credit cards. It is recommended to research and compare options before making a decision.

Are there any protections in place for borrowers in Saint Elizabeth, Missouri?

Yes, the Missouri Division of Finance regulates the payday lending industry and provides consumer protections, such as limits on loan amounts and fees.