Payday Loans in Lake Spring, Missouri

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

Company nameAddressZip codePhone number
Great Western Bank 520 N Pearl St, Milan, MO 63556 +1 (660) 265 - 4000
LendNation 941 Cherokee Dr Ste 8, Marshall, MO 65340 +1 (660) 886 - 6410
Master Finance Company 3805 N Oak Trafficway Ste D, Kansas City, MO 64116 +1 (816) 468 - 2030
LendNation 1350 Spur Dr Ste 110, Marshfield, MO 65706 +1 (417) 468 - 2351
World Finance 1701 Prospect Dr Ste B, Macon, MO 63552 +1 (660) 385 - 7862
Cash Direct Sullivan, MO 63080 +1 (573) 468 - 2800
American Family Insurance - Michael Kyle 202 W Washington St, Seymour, MO 65746 +1 (417) 935 - 2868
Check Into Cash 1305 S Main St, Sikeston, MO 63801 +1 (573) 471 - 3340
TitleMax Title Secured Loans 160 Magee St, Troy, MO 63379 +1 (636) 542 - 9402
Premium Home Loans 300 Corporate Pl c, Branson, MO 65616 +1 (417) 337 - 5600

Payday Loan Companies in Nearby Cities

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

Useful Articles

Are Payday Loans Legal In Lake Spring, 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

Lake Spring, MO payday loan calculator

Advise to read before applying

Payday Loans in Lake Spring, Missouri: Everything You Need to Know

If you are a resident of Lake Spring, Missouri, and you need quick cash to pay for unexpected expenses, a payday loan might be a viable option for you. A payday loan is a type of short-term loan that can help you bridge financial gaps between paychecks. And the good news is, payday loans are legal in Missouri. However, before you apply for one, it’s essential to understand what payday loans are and how they work.

What are Payday Loans?

Payday loans are short-term loans that are typically due on your next payday. They are designed to help you meet urgent financial needs, such as car repairs, medical bills, or unexpected expenses.

When you apply for a payday loan, you’ll be required to provide proof of income and a valid ID. You’ll also need to sign a loan agreement that outlines the terms and conditions of the loan.

The amount you can borrow will depend on your income and the lender’s policies. In Missouri, the maximum amount you can borrow is $500, and lenders can charge up to 75% of the loan amount in fees and interest.

How do Payday Loans Work?

When you apply for a payday loan, the lender will ask you to write a postdated check for the loan amount plus fees and interest. The lender will hold onto the check until your next payday, at which point they’ll deposit the check.

If you don’t have the money in your account to cover the check, you could face additional fees or overdraft charges from your bank. If you can’t pay the loan back on your next payday, you’ll be given the option to roll over the loan and pay additional fees and interest.

Benefits of Payday Loans

  • Quick and easy application process
  • No credit check required
  • Can help you meet unexpected expenses

Drawbacks of Payday Loans

  • High fees and interest rates
  • Short repayment terms
  • Can lead to a cycle of debt if not paid back on time

Apply Now

If you’re in need of quick cash, you can apply for a payday loan on TheGuaranteedLoans website. We are a connector service that can help you find a lender that meets your needs. However, it’s essential to remember that payday loans are a short-term solution and should only be used for urgent expenses.

Interesting Facts and Statistics about Payday Loans in Lake Spring, Missouri

Here are some verified facts and statistics about payday loans in Lake Spring, Missouri:

  • In 2020, Missouri borrowers took out more than 1.6 million payday loans, totaling $577 million in borrowed funds.
  • The average fee for a payday loan in Missouri is $51.57 per $100 borrowed.
  • Missouri is one of more than 30 states that allow payday lending.
  • Payday lenders in Missouri earned $74.5 million in fees and interest in 2020.

Conclusion

Payday loans can be a viable option for Lake Spring, Missouri residents who need quick cash to cover unexpected expenses. It’s essential to understand the benefits and drawbacks of payday loans and only use them as a short-term solution. If you’re considering a payday loan, be sure to read the loan agreement carefully and understand the terms and conditions before signing.

F.A.Q.

Are there any alternatives to payday loans in Lake Spring, Missouri?

Yes, there are other options for short-term financial assistance, such as personal loans or credit cards. It is recommended to research and compare options before making a decision.

Are there any protections in place for borrowers in Lake Spring, Missouri?

Yes, the Missouri Division of Finance regulates the payday lending industry and provides consumer protections, such as limits on loan amounts and fees.

Look for Short-Term Loans in Other Cities:

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Customer Notice: Cash advance loans should be used for short-term personal requirements primarily, not as long-term budgetary remedies. Clients together with credit score issues ought to look for credit advice. Subject to state regulations, qualification, credit check, underwriting and approval. Rates, terms and conditions apply

Client Guidance: Payday loans are generally designed as a temporary financial bridge that allows individuals to borrow a modest amount of money until their next paycheck arrives. This type of loan is often used as an immediate financial remedy for unforeseen expenses, especially for those lacking a financial cushion or significant savings. If you find yourself struggling to manage your finances and considering a payday loan, it's crucial to consult with a qualified financial advisor. It's also important to familiarize yourself with the specific payday loan laws in your jurisdiction.

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