Payday Loans in Wheeling, Missouri

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

Company nameAddressZip codePhone number
Pinnacle Bank 1010 S Madison St M, Webb City, MO 64870 +1 (417) 673 - 4100
Metz Banking Co 123 N Osage Blvd, Nevada, MO 64772 +1 (417) 667 - 4550
Peoples Savings Bank 9414 MO-100, New Haven, MO 63068 +1 (573) 237 - 3322
No Limit Loans 1414 Glenstone Avenue, Springfield, MO 65804 +1 (417) 886 - 7744
Country Club Bank 1601 S Commercial St, Harrisonville, MO 64701 +1 (816) 884 - 2020
Home Town Cash Advance LLC 128 S Lincoln Dr, Troy, MO 63379 +1 (636) 462 - 7900
Courtesy Loans 115 W Promenade St, Mexico, MO 65265 +1 (573) 582 - 1062
Walmart Money Center 2451 S Springfield Ave, Bolivar, MO 65613 +1 (417) 326 - 8424
Doc Holliday's General Store 737 N 20th St, Ozark, MO 65721 +1 (417) 581 - 7296
TitleMax Title Secured Loans 785 US-67, Florissant, MO 63031 +1 (314) 839 - 6538

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Wheeling, 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, Same Day Loans in Columbia, MO, Payday Loans in Florissant, MO, Same Day Loans in Independence, MO, Payday Loans in Jefferson City, MO, Payday Loan for Joplin, MO and Payday 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 Wheeling, MO.

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

64688

Are Payday Loans Legal In Wheeling, 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

Wheeling, MO payday loan calculator

Understanding Payday Loans in Wheeling, Missouri

Payday loans have become a popular financial option for many Americans who need quick cash for emergencies or unexpected expenses. These short-term loans are designed to be repaid on the borrower’s next payday, typically within two weeks or a month.

In Missouri, payday loans are legal, but the state has regulations to protect consumers from high fees and interest rates. If you live in Wheeling, Missouri, and are considering taking out a payday loan, it’s important to understand the risks, benefits, and regulations of this type of loan.

How Payday Loans Work

When you apply for a payday loan, you typically need to provide proof of income, a bank account, and identification. Once you’re approved, the lender will give you cash or deposit the funds into your bank account. You agree to pay back the loan, plus fees and interest, on your next payday.

The fees and interest rates associated with payday loans can be high, and you should read the lender’s terms and conditions carefully before accepting the loan. Missouri law limits the amount of interest and fees that lenders can charge, but it’s still important to compare rates and terms from several lenders to get the best deal.

The Benefits of Payday Loans

One of the biggest advantages of payday loans is that they are easy to qualify for, even if you have bad credit. As long as you have a job and a bank account, you can apply for a payday loan. They are also a fast way to get cash when you need it, with many lenders offering same-day or next-day funding.

Another benefit is that payday loans are short-term, so you don’t have to worry about being in debt for a long time. They can be a good option if you need a small amount of cash quickly to cover an unexpected expense, like a car repair or medical bill.

The Risks of Payday Loans

Despite their benefits, payday loans also have risks that borrowers should be aware of. One of the biggest risks is the high fees and interest rates, which can trap borrowers in a cycle of debt. If you’re unable to repay the loan on your next payday, you may have to roll over the loan and pay additional fees and interest, which can add up quickly.

Another risk is that payday loans can be addictive, with many borrowers taking out multiple loans each year. This can lead to a cycle of debt that can be difficult to break. If you’re considering taking out a payday loan, it’s important to have a plan to repay the loan and avoid borrowing more money than you can afford to pay back.

Regulations in Missouri

In Missouri, payday loans are legal, but the state has regulations to protect consumers from high fees and interest rates. According to Missouri law, lenders can charge up to 75% of the loan amount in fees and interest, but they cannot charge more than $75 in fees for a $100 loan. Additionally, borrowers are allowed to renew the loan up to six times, but they must pay at least 5% of the loan amount each time.

It’s important to understand the regulations in Missouri and to compare rates and terms from several lenders before accepting a payday loan. The Missouri Division of Finance can provide information on licensed payday lenders in the state.

Interesting Facts about Payday Loans in Wheeling, Missouri

  • As of 2021, there are over 1,200 payday lenders operating in Missouri.
  • The average payday loan in Missouri is $306, with an average fee of $53.
  • In 2020, the Missouri legislature proposed a bill to increase the maximum fee on payday loans to 225%, but the bill did not pass.

Apply Now

If you need a payday loan in Wheeling, Missouri, TheGuaranteedLoans can help. Our website is a connector service that can connect you with potential lenders.

Fill out our online application today to get started. Remember, TheGuaranteedLoans is not a direct lender, but we can help you find the best lender for your needs.

Take control of your finances with a payday loan from TheGuaranteedLoans today.

F.A.Q.

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

Yes, many payday lenders in Wheeling, 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.