Payday Loans in Wheaton, Missouri

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

Company nameAddressZip codePhone number
Cash Today 307 E Karsch Blvd # D, Farmington, MO 63640 +1 (573) 760 - 1969
Fcs Financial 3200 Hwy 61, Hannibal, MO 63401 +1 (573) 221 - 0273
Walmart Money Center 94 Cecil St, Camdenton, MO 65020
BNT Loans 218 N Jefferson St, Ava, MO 65608 +1 (417) 683 - 1026
Citizens Bank & Trust 322 S Main St, Brookfield, MO 64628 +1 (660) 258 - 3336
LendNation 806 W Harmony St, Neosho, MO 64850 +1 (417) 451 - 7795
First Community Bank 3005 Gardner-Edgewood Dr, Neosho, MO 64850 +1 (417) 451 - 2025
Noble Finance 2900 MO-291, Independence, MO 64057 +1 (816) 765 - 1991
Equity Bank 6200 NW 63rd Terrace, Kansas City, MO 64151 +1 (816) 587 - 4322
PDQ Title Loans 5800 E Truman Rd, Kansas City, MO 64126 +1 (816) 483 - 1810

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wheaton, 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, Payday Loans in Saint Joseph, MO, Payday Loans in Saint Louis, MO, Short-term Loans in Saint Peters, MO, Payday Loans in Springfield, MO, Emergency Loan in Wentzville, MO, Payday Loan Without a Credit Check in Ballwin, MO and Online 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 Wheaton, MO.

Beautiful sights of Wheaton, MO

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

64874

Are Payday Loans Legal In Wheaton, 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

Wheaton, MO payday loan calculator

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

If you’re facing sudden expenses or financial emergencies, payday loans can be a helpful option. These small-dollar, short-term loans are designed to help you bridge a gap until your next paycheck. However, it’s important to understand the details of payday loans before you apply. In this guide, we’ll explore the ins and outs of payday loans in Wheaton, Missouri, including laws and regulations, fees and interest rates, and how to find a reputable lender.

Laws and Regulations

Payday loans are legal in Missouri, but they’re subject to state regulations. Under Missouri law, payday lenders must be licensed and regulated by the Missouri Division of Finance. This includes restrictions on loan amounts, fees, and repayment terms.

Currently, the maximum loan amount in Missouri is $500. Lenders are allowed to charge up to 75% of the loan amount in fees and interest, with a maximum APR of 1,950%. Loans must be repaid in full within 14 to 31 days, depending on the lender and the loan amount.

It’s important to note that rollovers or renewals are not allowed under Missouri law. This means that if you can’t repay the loan on time, you cannot refinance it. Additionally, lenders are required to provide borrowers with detailed information about fees, interest rates, and repayment terms before they sign a loan agreement.

Fees and Interest Rates

When you take out a payday loan in Wheaton, Missouri, you’ll be charged fees and interest. These can add up quickly, so it’s important to understand the costs upfront. All lenders in Missouri are required to provide a detailed disclosure of fees and interest rates prior to loan approval.

Under Missouri law, lenders are allowed to charge up to 75% of the loan amount in fees and interest. This means that for a $500 loan, you could be charged up to $375 in fees and interest. This also means that the total cost of the loan, including fees and interest, could be as high as $875.

It’s important to understand the annual percentage rate (APR) of your loan. The APR takes into account not only the interest rate but also any other fees associated with the loan. The maximum APR for payday loans in Missouri is 1,950%, which is much higher than traditional loans or credit cards.

Finding a Reputable Lender

When applying for a payday loan in Wheaton, Missouri, it’s crucial to work with a reputable lender. Unfortunately, some lenders may take advantage of borrowers who are in desperate need of cash. Here are some tips for finding a trustworthy lender:

  • Look for lenders that are licensed and regulated by the Missouri Division of Finance.
  • Read reviews and testimonials from other borrowers.
  • Compare rates and fees from multiple lenders before choosing one.
  • Avoid lenders who offer no credit check loans or ask for upfront payments.
  • Check the lender’s website for clear and transparent information about fees, interest rates, and repayment terms.

By doing your research and working with a reputable lender, you can minimize your risk of being scammed or taken advantage of.

Interesting Facts and Statistics

  • The average payday loan borrower takes out eight loans per year, with an average loan amount of $375 per loan.
  • In 2019, Missouri payday lenders made 1.6 million loans totaling $1.1 billion.
  • Missouri has one of the highest payday loan usage rates in the country.
  • Research shows that payday loan borrowers are more likely to file for bankruptcy than non-borrowers.

Apply Now

If you’re in need of a payday loan in Wheaton, Missouri, TheGuaranteedLoans can help. Our online application process is quick and easy, and we’ll connect you with potential lenders who can help meet your financial needs. Remember, we are a connector service and not a direct lender. We work with a network of trusted lenders to find the best loan options for you. Apply now and get the cash you need in as little as one business day!

F.A.Q.

Can I renew or extend my payday loan?

No, payday loans in Wheaton, Missouri cannot be renewed or extended.

Are there any fees associated with payday loans in Wheaton, Missouri?

Yes, payday lenders in Wheaton, Missouri are allowed to charge a maximum interest rate of 75% per year on the loan amount. There may also be additional fees for late or non-payment.