Payday Loans in Chestnutridge, Missouri

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

Company nameAddressZip codePhone number
Security Finance 520 Ellis Blvd Suite M, Jefferson City, MO 65101 +1 (573) 634 - 8384
Empire Finance of Kennett 1011 Independence Ave, Kennett, MO 63857 +1 (573) 888 - 9599
Payday Check Cashers 502 Main St, Cassville, MO 65625 +1 (417) 847 - 3970
BTC Bank 114 N Central Ave, Pattonsburg, MO 64670 +1 (660) 367 - 2315
World Finance Corporation 120 E 4th St, Carthage, MO 64836 +1 (417) 359 - 5510
Check Into Cash 103 S 2nd St, Ozark, MO 65721 +1 (877) 244 - 8254
OakStar Bank 109 N Main St, Urbana, MO 65767 +1 (417) 993 - 4242
Magic City Pawn 524 W Reed St, Moberly, MO 65270 +1 (660) 263 - 2011
First State Community Bank 100 S 4th St, Moberly, MO 65270 +1 (660) 263 - 6649
FCS Financial 500 S State Hwy B, Springfield, MO 65802 +1 (417) 862 - 4158

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Chestnutridge, MO, you can try to find different companies in big cities near by. Check out the following pages here: Short-term Loans in Joplin, MO, Payday Loans in Kansas City, MO, Payday Loans in Lee's Summit, MO, Same Day Loans in Liberty, MO, Payday Loan Companies in Saint Charles, MO, Emergency Loan in Saint Joseph, MO, Emergency Loan in Saint Louis, MO and Payday 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 Chestnutridge, MO.

Are Payday Loans Legal In Chestnutridge, 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

Chestnutridge, MO payday loan calculator

Payday Loans in Chestnutridge, Missouri

Understanding Payday Loans

If you need extra cash to cover an urgent expense, a payday loan might be right for you. Payday loans can be a quick and easy way to get the funds you need to cover unexpected bills or other expenses. Payday loans are short-term loans designed to be repaid by the borrower’s next paycheck.

In Missouri, payday lending is legal, meaning residents of Chestnutridge can access payday loans if they need to. However, it is important to understand the terms and conditions of a payday loan before agreeing to one.

How Do Payday Loans Work?

Payday loans are typically issued in amounts between $100 and $500 and are due to be repaid within two weeks or on the borrower’s next payday. The borrower is usually required to provide the lender with a post-dated check or authorize an electronic transfer of funds on the due date of the loan.

Payday loans come with high interest rates and fees, which can make them an expensive borrowing option. In Missouri, lenders are allowed to charge up to 75% interest on a payday loan. This means that a $100 loan with a two-week term could cost the borrower up to $175 in total.

Pros and Cons of Payday Loans

While payday loans can be a helpful source of funds in a pinch, they are not without their drawbacks. Here are some pros and cons of payday loans to consider before taking one out:

Pros:

  • Easy to qualify for: payday lenders typically have few eligibility requirements, making it easy to get approved for a loan even with bad credit.
  • Quick access to funds: most payday loans can be approved and processed within one business day.
  • Flexible use of funds: borrowers can use the money for any purpose, unlike some other types of loans which have restrictions on how the funds can be used.

Cons:

  • High interest rates and fees: payday loans come with high costs, which can make them difficult to repay in full.
  • Risk of debt cycle: some borrowers may find themselves repeatedly taking out payday loans to cover expenses, leading to a cycle of debt that can be hard to escape.
  • Short repayment period: borrowers have a relatively short period of time (usually two weeks) to repay the loan balance in full, which can be challenging for some people.

Interesting Facts and Statistics

Did you know that the average Missouri payday loan borrower takes out eight loans per year, and that the average loan amount is $307? Additionally, research shows that Missouri has higher average interest rates and fees for payday loans than most other states in the US, with an average APR of 462%.

Applying for a Payday Loan in Chestnutridge, Missouri

If you need a payday loan in Chestnutridge, Missouri, TheGuaranteedLoans can help you find a lender. Our simple online application process makes it easy to apply for a payday loan from the comfort of your own home. Simply fill out the application form on our website, and we will connect you with a lender who can meet your borrowing needs.

It is important to note that TheGuaranteedLoans is not a direct lender – we are a connector service that facilitates the connection between borrowers and potential lenders. This means that we do not make lending decisions or control the terms of your loan.

Conclusion

While payday loans can be a helpful source of funds in a pinch, it is essential to understand the terms and conditions of the loan before agreeing to one. With high-interest rates and fees, payday loans can be an expensive borrowing option that can lead to debt if not repaid in full and on time.

If you need a payday loan in Chestnutridge, Missouri, TheGuaranteedLoans can help you find a lender. Our connector service makes the application process fast and easy, so you can get the funds you need when you need them.

F.A.Q.

Are payday loans in Chestnutridge, Missouri regulated by the state government?

Yes, payday lending in Chestnutridge, Missouri is regulated by the state's Division of Finance.

What are the fees and interest rates for payday loans in Chestnutridge, Missouri?

The maximum interest rate for payday loans in Chestnutridge, Missouri is 75%, and there may be additional fees for late payments or non-sufficient funds.