Payday Loans in Cowgill, Missouri

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

Company nameAddressZip codePhone number
OakStar Bank 1313 N 2nd St, Clinton, MO 64735 +1 (660) 885 - 2357
Exchange Bank of Missouri 929 W Vest St, Marshall, MO 65340 +1 (660) 886 - 8577
Cardinal Loans 801 E Ohio St, Clinton, MO 64735 +1 (660) 890 - 2274
Quick Cash 237 S Broadview St, Cape Girardeau, MO 63703 +1 (573) 332 - 0680
First State Community Bank 112 W McClurg St, Richland, MO 65556 +1 (573) 765 - 3221
Money Tree 301 S Main St, Sikeston, MO 63801 +1 (573) 471 - 1123
Walmart Money Center 1025 Walton Dr, Fredericktown, MO 63645 +1 (573) 783 - 5581
Chester National Bank-Missouri 1010 N Main St, Perryville, MO 63775 +1 (573) 547 - 7611
U.S. Bank ATM - Willow Springs 207 E 3rd St, Willow Springs, MO 65793 +1 (800) 872 - 2657
Barri Agent 100 S Jefferson St, Mexico, MO 65265

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cowgill, MO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Springfield, MO, Payday Loans in Wentzville, MO, Payday Loans in Ballwin, MO, Payday Loans in Blue Springs, MO, Payday Loan for Cape Girardeau, MO, Quick Loan in Chesterfield, MO, Payday Loans in Columbia, MO and Payday Loans in Florissant, 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 Cowgill, MO.

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

64637

Are Payday Loans Legal In Cowgill, 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

Cowgill, MO payday loan calculator

Understanding Payday Loans in Cowgill, Missouri

Payday loans, also known as cash advance loans, paycheck loans, or check advance loans, are a convenient way to address a short-term financial crisis. These loans are often sought out by individuals who need access to quick cash and may not qualify for other forms of credit.

Payday loans are legal in Missouri, and for residents of Cowgill, Missouri, they can provide relief when an unexpected expense or emergency arises. However, before taking out a payday loan, it’s essential to have a solid understanding of how they work and what you need to be aware of.

How Payday Loans work in Cowgill, Missouri

In Cowgill, Missouri, payday loans are typically small-dollar loans with a short repayment term. These loans are available from both storefront lenders and online lenders, making it easy to access funds when you need them.

The process of obtaining a payday loan is relatively straightforward. You will need to provide proof of income, a government-issued ID, and a post-dated check for the loan amount and fees. Alternatively, some lenders may require access to your bank account to withdraw funds when the loan is due.

After filling out the application and providing the necessary documentation, the lender will evaluate your application and determine if you qualify for a loan. If approved, you will receive the funds either in cash or deposited to your bank account.

The loan amount and fees will need to be repaid within a set period, usually by your next payday. If you cannot repay the loan in full by the due date, you may be able to roll over the loan, but this will incur additional fees and interest.

Regulations for Payday Loans in Cowgill, Missouri

Payday loans in Cowgill, Missouri, are subject to state regulations to protect consumers from predatory lending practices. These regulations include:

  • Maximum loan amount: $500
  • Maximum loan term: 31 days
  • Maximum finance charge: 75% of loan amount
  • Maximum APR: 1950%

It’s important to note that payday lenders in Cowgill, Missouri, are required to disclose all fees and charges upfront, including the annual percentage rate (APR). Additionally, consumers are permitted to cancel a payday loan within 24 hours of receiving it without incurring penalties or fees.

Interesting Facts and Statistics about Payday Loans in Cowgill, Missouri

  • In 2018, Missouri recorded more than 1.6 million payday loans with a total value of over $315 million.
  • The average payday loan amount in Missouri was $366, with an average fee of $55.26.
  • According to the Missouri Division of Finance, 2,102 payday loan licenses were active in Missouri as of June 2021, with 131 of those located in Clay County, where Cowgill is located.

Apply Now with TheGuaranteedLoans

If you’re considering a payday loan in Cowgill, Missouri, TheGuaranteedLoans can help connect you with reputable lenders. We are a connector service, not a direct lender, and we work with a network of licensed and regulated lenders to provide you with access to competitive rates and terms.

Our online application process is quick and easy, and you can receive an offer in minutes. If you’re approved, the funds can be deposited to your bank account as soon as the next business day.

Apply now through our secure online portal and take the first step towards financial peace of mind.

F.A.Q.

What are payday loans and how do they work in Cowgill, Missouri?

Payday loans are short-term, high-interest loans that are designed to be paid back on the borrower's next payday. in Cowgill, Missouri, borrowers are allowed to borrow up to $500, with a maximum term of 31 days.

Are there any restrictions on payday loan interest rates in Cowgill, Missouri?

Yes, payday lenders are required to follow the state's usury laws, which limit the maximum interest rate to 75% per year. However, additional fees may be charged on top of the interest rate.