Payday Loans in Waldron, Missouri

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

Company nameAddressZip codePhone number
Advance America 120-A W George E Phelps Blvd, Carthage, MO 64836 +1 (417) 237 - 0278
Peoples Bank of Altenburg 8492 Main St, Altenburg, MO 63732 +1 (573) 824 - 5221
Sun Loan Company 400 Johnson Dr Ste B, Nevada, MO 64772 +1 (417) 667 - 6500
Cash Cow Payday Loans 4800 S Limit Ave, Sedalia, MO 65301 +1 (660) 827 - 6760
Money Source 1504 S Commercial St, Harrisonville, MO 64701 +1 (816) 887 - 1977
TitleMax Title Loans 1460 S Madison St, Webb City, MO 64870 +1 (417) 673 - 2203
Southwest Mortgage Co 5633 S Farm Rd 139, Springfield, MO 65810 +1 (417) 865 - 1776
Commerce Bank 715 Main St, Cassville, MO 65625 +1 (800) 453 - 2265
Missouri Title Loans, Inc. 1440 W Kearney St, Springfield, MO 65803 +1 (417) 831 - 2774
Empire Finance 2201 N Westwood Blvd, Poplar Bluff, MO 63901 +1 (573) 778 - 0549

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Waldron, 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, Payday Loans in Chesterfield, MO, No Credit Check Loans in Columbia, MO, No Credit Check Loans in Florissant, MO, Short-term Loans in Independence, MO, Emergency Loan in Jefferson City, MO, Payday Loans in Joplin, MO and Payday Loan for 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 Waldron, MO.

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

64092, 64152

Are Payday Loans Legal In Waldron, 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

Waldron, MO payday loan calculator

Introduction

Payday loans can be a great option for those who need quick cash to cover unexpected expenses and emergencies. In Waldron, Missouri, payday loans are legal and regulated by state law.

How Payday Loans Work

A payday loan is a short-term loan that is typically due on the borrower’s next payday. In Waldron, Missouri, the state law allows payday lenders to charge up to 75% of the loan amount in fees. The borrower typically writes a post-dated check for the full loan amount, including fees and interest, which the lender can cash on the due date.

For example, if you borrow $500 and the lender charges a fee of 75%, you will owe $875 on your next payday. If you cannot afford to pay the full amount, you can choose to roll over the loan, which means you will pay another fee to extend the due date. Rolling over the loan can quickly become expensive, so it is important to only borrow what you can afford to repay.

Benefits of Payday Loans

  • Quick access to cash
  • No credit check required
  • Easy application process
  • Flexible repayment options

Drawbacks of Payday Loans

  • High fees and interest rates
  • Risk of falling into a debt cycle
  • May damage your credit score
  • May lead to legal action if you default on the loan

Payday Loans in Waldron, Missouri

In Waldron, Missouri, payday loans are legal and regulated by state law. The maximum loan amount you can borrow is $500, and the maximum fee a lender can charge is 75% of the loan amount. The loan term must be at least 14 days, and the maximum term is 31 days.

According to the Missouri Division of Finance, there were 1,275 licensed payday lenders in the state as of December 2020. This indicates a popularity of payday lending services in Missouri including Waldron.

Why Do People Take Payday Loans in Waldron, Missouri?

People take payday loans in Waldron, Missouri for a variety of reasons, including:

  • Emergency expenses
  • Car repairs
  • Unexpected medical bills
  • Utility bills
  • Rent or mortgage payments

While payday loans can help cover unexpected expenses, it is important to only borrow what you can afford to repay. Because of the high fees and interest rates, payday loans should only be used as a last resort.

Interesting Facts and Stats About Payday Loans in Waldron, Missouri

  • According to the Missouri Division of Finance, there were 1,275 licensed payday lenders in the state as of December 2020.
  • The average payday loan in Missouri is $307.05, with an average APR of 452.31%.
  • According to a survey by the Federal Reserve, 22% of adults in Missouri have taken out a payday loan.

Apply Now

If you need quick cash to cover unexpected expenses in Waldron, Missouri, TheGuaranteedLoans can help. We are a connector service that can connect you with potential lenders who can provide payday loans that fit your needs. Our application process is easy and secure, and you can get started today by filling out our online application.

It is important to note that TheGuaranteedLoans is not a direct lender, and we do not make credit decisions. We simply connect you with potential lenders and help facilitate the loan process. If you have any questions or concerns, our customer service team is always available to assist you.

Conclusion

Payday loans can be a helpful resource for those who need quick cash to cover unexpected expenses. In Waldron, Missouri, payday loans are legal and regulated by state law. It is important to only borrow what you can afford to repay and to be aware of the high fees and interest rates associated with payday loans. TheGuaranteedLoans can help connect you with potential lenders who can provide payday loans that meet your needs, so you can get the financial help you need when you need it most.

F.A.Q.

What are payday loans and how do they work in Waldron, Missouri?

Payday loans are short-term, high-interest loans that are designed to be paid back on the borrower's next payday. in Waldron, Missouri, borrowers are allowed to borrow up to $500, with a maximum term of 31 days.

Are there any restrictions on payday loan interest rates in Waldron, Missouri?

Yes, payday lenders are required to follow the state's usury laws, which limit the maximum interest rate to 75% per year. However, additional fees may be charged on top of the interest rate.