Payday Loans in Whiteside, Missouri

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

Company nameAddressZip codePhone number
Advance America 11902 S. Blue Ridge Ext., Ste. E, Grandview, MO 64030 +1 (816) 761 - 1463
Speedy Cash 2949 S National Ave, Springfield, MO 65807 +1 (417) 881 - 1710
Regional Finance 2101 W Broadway Suite 204, Columbia, MO 65203 +1 (573) 234 - 2757
Advance America 165 S. Town Blvd, Ste D, Hollister, MO 65672 +1 (417) 336 - 1495
Security Finance 410 N Missouri St Suite B, Macon, MO 63552 +1 (660) 385 - 5052
LendNation 217 W Business US Highway 60, Dexter, MO 63841 +1 (573) 614 - 4198
Empire Finance 1001 Independence Ave, Kennett, MO 63857 +1 (573) 888 - 9599
World Finance 516 Lana Dr, Cameron, MO 64429 +1 (816) 649 - 6117
Heights Finance Corporation 2903 W Broadway Blvd, Sedalia, MO 65301 +1 (660) 827 - 4200
Oak Hills Title Company 309 Lewis St, Canton, MO 63435 +1 (573) 288 - 4461

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Whiteside, MO, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Joplin, MO, Bad Credit Loans in Kansas City, MO, Guaranteed Loans in Lee's Summit, MO, Payday Loans in Liberty, MO, Payday Loans in Saint Charles, MO, Payday Loan Without a Credit Check in Saint Joseph, MO, Guaranteed Loans in Saint Louis, MO and No Credit Check Loans in Saint Peters, 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 Whiteside, MO.

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

63387

Are Payday Loans Legal In Whiteside, 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

Whiteside, MO payday loan calculator

Payday loans are a common financial solution for millions of Americans, providing much-needed cash in times of need. Whiteside, Missouri is no exception. In fact, payday loans are legal in Missouri, and many lenders operate in the state.

What are Payday Loans?

If you’re unfamiliar with payday loans, here’s the basic idea: payday loans are short-term loans designed to help people bridge the gap between paychecks. Typically, the loans are due on the borrower’s next payday, with interest and fees included in the repayment amount.

While payday loans can be a useful financial tool for those in need, they also come with some significant risks. The interest rates on payday loans are often very high, and if a borrower is unable to repay the loan on time, they can end up in a cycle of debt that can be difficult to escape.

Legal Status of Payday Loans in Missouri

As previously mentioned, payday loans are legal in Missouri. The state’s payday loan regulations are set forth in the Missouri Revised Statutes §408.500 et seq., which outlines the terms and conditions that payday lenders must follow in order to be licensed in the state.

Some of the key regulations that payday lenders must adhere to in Missouri include:

  • Maximum loan amount: $500
  • Loan term: 14-31 days
  • Maximum finance charge: 75% of the loan amount
  • Maximum APR: 1950%
  • Allowed fees: No additional fees beyond the finance charge

Why Do People Use Payday Loans in Whiteside, Missouri?

There are many reasons why people may turn to payday loans in Whiteside, Missouri. Some common examples include:

  • Emergency expenses, such as medical bills or car repairs
  • Temporary cash flow problems, such as a job loss or unexpected reduction in hours
  • Difficulty accessing credit through traditional channels, such as banks or credit unions
  • Lack of savings or other financial resources to cover unexpected expenses

It’s important to note that while payday loans can be helpful in these situations, they are not a long-term solution to financial problems. If you find yourself relying on payday loans on a regular basis, it may be time to seek financial counseling or explore other options for managing your finances.

Apply Now

At TheGuaranteedLoans, we understand that unexpected expenses can arise at any time. That’s why we offer a convenient online application process that can connect you with potential lenders in Whiteside, Missouri and across the state.

It’s important to note that while we are not a direct lender, we can help facilitate your connection with a payday lender that may be able to meet your needs. Plus, our online application process is quick and easy, allowing you to get the cash you need without the hassle of traditional borrowing methods.

Interesting Facts and Statistics about Payday Loans in Whiteside, Missouri

  • Missouri residents take out an average of 2.43 payday loans per year.
  • The average loan amount in Missouri is $307.
  • Missouri has the ninth-highest payday loan usage rate in the country.
  • In 2019, Missouri lawmakers attempted to pass new regulations on payday lenders, but the measures ultimately failed.

These facts and statistics show just how prevalent payday loans are in Missouri, and highlight the importance of understanding the risks and benefits of this type of lending.

Conclusion

Payday loans can be a helpful financial tool for those in need, but they should be approached with caution. By understanding the legal status of payday loans in Missouri, as well as the risks and benefits of this type of lending, borrowers can make informed decisions about their financial futures.

If you’re considering a payday loan in Whiteside, Missouri or elsewhere in the state, TheGuaranteedLoans can help. Our online application process is quick and easy, allowing you to get the money you need when you need it most.

F.A.Q.

Can I be charged with criminal penalties for defaulting on a payday loan in Whiteside, Missouri?

No, in Whiteside, Missouri, borrowers cannot be charged with criminal penalties for defaulting on a payday loan. However, lenders may pursue civil action to collect on unpaid loans.

Is a credit check required for payday loans in Whiteside, Missouri?

No, payday lenders in Whiteside, Missouri do not typically perform credit checks during the loan application process.