Payday Loans in Zalma, Missouri

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

Company nameAddressZip codePhone number
Cash America Pawn 111 E Main St, Park Hills, MO 63601 +1 (573) 431 - 4016
Check Into Cash 102 W George E Phelps Blvd, Carthage, MO 64836 +1 (417) 358 - 4604
UMB Bank with drive-thru services 111 W Benton St, Windsor, MO 65360 +1 (660) 647 - 3131
Access Capital Funding llc 14366 S Outer Forty Rd, Chesterfield, MO 63017 +1 (314) 787 - 0292
Great Southern Bank 1444 W State Hwy J, Ozark, MO 65721 +1 (417) 581 - 6500
Title Cash 1200 N Morley St, Moberly, MO 65270 +1 (660) 263 - 1141
Bank of Old Monroe Moscow Mills 10 Freise Industrial Dr, Moscow Mills, MO 63362 +1 (636) 356 - 4000
Courtesy Loans 2025 Rock Rd, De Soto, MO 63020 +1 (636) 586 - 4200
Schumacher Financial Services Inc 368 N Kingshighway St, Sikeston, MO 63801 +1 (573) 471 - 3339
Security Finance 217 W Business, U.S. Hwy 60 W suite a, Dexter, MO 63841 +1 (573) 624 - 5775

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Zalma, MO, you can try to find different companies in big cities near by. Check out the following pages here: Emergency Loan in Lee's Summit, MO, Short-term Loans in Liberty, MO, Short-term Loans in Saint Charles, MO, Payday Loans in Saint Joseph, MO, Payday Loans in Saint Louis, MO, Same Day Loans in Saint Peters, MO, No Credit Check Loans in Springfield, MO and Bad Credit Loans in Wentzville, 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 Zalma, MO.

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

63787

Are Payday Loans Legal In Zalma, 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

Zalma, MO payday loan calculator

Understanding Payday loans in Zalma, Missouri

Payday loans are a popular choice for many people who are looking for fast and convenient access to cash. However, it’s important to understand the terms and conditions of these loans, as well as the laws governing them.

In Missouri, payday loans are legal. This means that if you live in Zalma or any other city in the state, you can apply for a payday loan if you need to borrow money quickly. However, it’s important to keep in mind that payday loans can be risky if you’re not familiar with how they work.

How Payday Loans Work

Payday loans are short-term loans that are designed to be paid back in full on your next payday. These loans can be attractive because they offer quick access to cash without the need for a credit check. However, they typically come with high interest rates and fees.

If you apply for a payday loan in Zalma, Missouri, you’ll need to provide some basic information, including your name, address, and income. You’ll also need to provide proof of employment and a bank account. Once you’re approved, you’ll receive the funds you need, and you’ll need to pay the loan back in full, along with any fees and interest, on your next payday.

The Risks of Payday Loans

While payday loans can be a quick and convenient way to access cash, they also come with risks. One major risk is the high interest rates and fees associated with these loans. In some cases, the interest rates can be as high as 400%, which can quickly add up if you’re not able to pay the loan back on time.

Another risk of payday loans is that they can lead to a cycle of debt. If you’re not able to pay back the loan on time, you may be required to take out another loan to cover the costs, which can lead to a cycle of debt that’s difficult to break free from.

Missouri Laws on Payday Loans

In Missouri, there are laws governing payday loans to help protect consumers. These laws include:

  • A maximum loan amount of $500.
  • A maximum loan term of 31 days.
  • A maximum interest rate of 75% of the loan amount.
  • A maximum fee of $75 for each loan.
  • A requirement that lenders must be licensed and regulated by the state.

It’s important to keep these laws in mind if you’re considering a payday loan in Zalma, Missouri. Make sure you understand the terms and conditions of the loan, including the interest rates and fees, before you apply.

Interesting Facts and Statistics About Payday Loans in Missouri

  • In 2019, Missouri had 1.62 million payday loans.
  • The average annual percentage rate (APR) for payday loans in Missouri is 452%.
  • The highest number of payday loans in Missouri are taken out in St. Louis.
  • The majority of payday loan borrowers in Missouri are female and between the ages of 25 and 44.

Apply Now with TheGuaranteedLoans

If you’re considering a payday loan in Zalma, Missouri, TheGuaranteedLoans can help. We’re a connector service that can help you connect with potential lenders who offer payday loans in Missouri. We make it easy to apply online, and our service is fast, secure, and confidential.

Remember, payday loans can be risky if you’re not careful. Make sure you understand the terms and conditions of the loan, including the interest rates and fees, before you apply. If you’re not able to pay back the loan on time, it can lead to a cycle of debt that’s difficult to break free from.

Apply now with TheGuaranteedLoans to get the cash you need, and take the first step towards financial freedom.

F.A.Q.

Are there any protections for borrowers in Zalma, Missouri when it comes to payday loans?

Yes, the state of Missouri has several laws in place to protect borrowers from predatory lending practices. These laws include limits on interest rates, fees, and loan terms, as well as requirements for lenders to provide borrowers with clear information about the terms of their loans.

What are the eligibility requirements for payday loans in Zalma, Missouri?

To be eligible for a payday loan in Zalma, Missouri, you must be 18 years or older and have a regular source of income.