Payday Loans in Higbee, Missouri

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

Company nameAddressZip codePhone number
Quick Cash 249 US-60, Republic, MO 65738 +1 (417) 732 - 7300
Advance America 1402 Missouri Blvd, Jefferson City, MO 65109 +1 (573) 556 - 7910
Cash-N-Go 1901 N Commercial St, Harrisonville, MO 64701 +1 (816) 887 - 2300
Tower Loan 254 NE Chipman Rd, Lee's Summit, MO 64063 +1 (816) 246 - 5115
Fairway Independent Mortgage Corporation 2140 Bagnell Dam Blvd Suite 101B, Suite 101B, Lake Ozark, MO 65049 +1 (573) 723 - 6011
North American Savings Bank 205 S Business Hwy 13, Lexington, MO 64067 +1 (660) 259 - 2247
Bank of New Madrid 229 Main St, New Madrid, MO 63869 +1 (573) 748 - 5551
Walmart Money Center 1003 W Newton St, Versailles, MO 65084
HNB Bank 1120 US-24, Monroe City, MO 63456 +1 (573) 735 - 2265
World Finance 1715 S Madison St, Webb City, MO 64870 +1 (417) 673 - 2693

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Higbee, MO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Ballwin, MO, Payday Loan Without a Credit Check in Blue Springs, MO, Payday Loans in Cape Girardeau, MO, No Credit Check Loans in Chesterfield, MO, Payday Loans in Columbia, MO, Payday Loans in Florissant, MO, Payday Loans in Independence, MO and 24-Hour Loan in Jefferson 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 Higbee, MO.

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

65257

Are Payday Loans Legal In Higbee, 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

Higbee, MO payday loan calculator

Understanding Payday Loans in Higbee, Missouri

Payday loans are a common form of short-term loans that many people in Higbee, Missouri rely on to make ends meet. These loans are designed to provide quick cash to help individuals cover unexpected expenses such as medical bills, car repairs, and other emergencies that may arise. However, it is essential to understand the benefits and risks of payday loans before choosing to apply for them.

How Payday Loans Work in Higbee, Missouri

Payday loans are legal in Missouri, and Higbee residents can obtain them from licensed lenders or online lenders. To qualify for a payday loan, borrowers must provide proof of income, a valid ID, and an active bank account.

Once approved, the borrower must agree to pay back the loan as per the agreement with the lender. In most cases, payday loans are due on the next payday or within a few weeks. The due date, interest rates, and maximum loan amount vary based on the lender’s terms and state regulations.

Benefits of Payday Loans in Higbee, Missouri

Payday loans offer several benefits for people who need emergency cash. The primary advantage is the quick access to funds, which can help in times of dire need. In most cases, payday loans do not require a credit check, making the process fast and easy when compared to traditional loans. Additionally, payday loans in Missouri are capped at $500, which means applicants can borrow only what they need and can afford to pay back.

Risks of Payday Loans in Higbee, Missouri

While payday loans offer several benefits, borrowers must also be aware of the risks associated with these loans. The high-interest rates, typically between 450-500%, can lead to a debt cycle that is difficult to break out of. Borrowers who are unable to pay back the loan on time often end up taking out another loan to pay off the original, creating a cycle of debt that is challenging to overcome. As such, it is recommended that Payday loans only be used as a last resort.

Interesting Facts about Payday Loans in Higbee, Missouri

  • In the United States, there are over 11,000 payday lending locations, and Missouri has over 1,000 locations.
  • The average interest rate for a payday loan in Missouri is 462%.
  • 92% of payday loan borrowers in Missouri are unable to repay the loan within the initial loan period.
  • The average payday loan in Missouri is $327.

Apply Now

At TheGuaranteedLoans, we offer a hassle-free way for residents of Higbee, Missouri, to find potential payday loan lenders. As a connector service, we match borrowers with approved lenders at no cost.

To begin the process, visit our website and complete the online application form. The application process is simple and straightforward and takes only a few minutes to complete. Once you submit your application, we will match you with potential lenders who will contact you directly to discuss the loan terms and conditions.

Remember that payday loans are only meant to be used for emergencies and should be repaid as soon as possible. Failure to repay the loan on time can have serious consequences on your credit score and financial standing.

Conclusion

Payday loans are a useful financial tool for managing emergency short-term cash needs. Although they offer multiple benefits, they also have significant risks, including high-interest rates and a debt cycle that can be hard to escape from. Residents of Higbee, Missouri, should carefully consider their options before taking out a payday loan and ensure that they have a plan to pay the loan back on time.

F.A.Q.

Can I take out multiple payday loans in Higbee, Missouri?

Yes, there is no limit on the number of payday loans you can take out in Higbee, Missouri. However, it is important to consider your ability to repay the loans before taking out multiple loans.

What should I do if I am unable to pay back my payday loan in Higbee, Missouri?

If you are unable to pay back your payday loan on the agreed-upon date, you should contact your lender as soon as possible to discuss your options. Your lender may be able to work with you to come up with a repayment plan that is manageable for you.