Payday Loans in Liberal, Missouri

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

Company nameAddressZip codePhone number
Enterprise Bank & Trust 14 N Jackson St, Perryville, MO 63775 +1 (573) 605 - 6099
First State Community Bank 100 S 4th St, Moberly, MO 65270 +1 (660) 263 - 6649
Title Loans 4 Less 230 E North Ave #A, Belton, MO 64012 +1 (816) 322 - 1322
Heights Finance Corporation 111 W Potter Ave, Kirksville, MO 63501 +1 (660) 627 - 4005
Sun Loan Company 1700 1st St 113, Kennett, MO 63857 +1 (573) 559 - 2692
UMB Bank with drive-thru services 101 N Holden St, Warrensburg, MO 64093 +1 (660) 747 - 5101
Sun Loan Company 1853 N Bluff St, Fulton, MO 65251 +1 (573) 592 - 7742
EZ Loan Services 1020 E Green Meadows Rd #108, Columbia, MO 65201 +1 (573) 443 - 2618
U.S. Bank Branch 1901 N Main St, Higginsville, MO 64037 +1 (660) 584 - 2124
Quik Cash 10648 MO-21, Hillsboro, MO 63050 +1 (636) 789 - 2407

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Liberal, MO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Saint Louis, MO, Payday Loans in Saint Peters, MO, Payday Loans in Springfield, MO, Payday Loans in Wentzville, MO, Guaranteed Loans in Ballwin, MO, Payday Loans in Blue Springs, MO, Short-term Loans in Cape Girardeau, MO and Payday Loans in Chesterfield, 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 Liberal, MO.

Beautiful sights of Liberal, MO

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

64762

Are Payday Loans Legal In Liberal, 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

Liberal, MO payday loan calculator

Payday Loans in Liberal, Missouri: What You Need to Know

If you live in Liberal, Missouri and are in need of extra cash to cover unexpected expenses, you may be considering a payday loan. While these types of loans can provide short-term relief, it’s important to understand the potential risks and benefits before applying.

How Do Payday Loans Work?

A payday loan is a short-term loan typically used to cover emergency expenses like medical bills or car repairs. These loans are often used by individuals who don’t have access to traditional credit or who have bad credit scores.

To apply for a payday loan, you’ll need to provide proof of income, a bank account, and a government-issued ID. If approved, the lender will deposit the loan amount directly into your bank account. In most cases, the borrower is then required to repay the loan – plus any fees – on their next payday.

Payday Loan Regulations in Missouri

Payday loans are legal in Missouri, but the state has enacted strict regulations to protect borrowers from predatory lending practices. Here are some of the key regulations:

  • Maximum loan amount: $500
  • Maximum loan term: 31 days
  • Maximum finance charge: 75% of the loan amount
  • Fees and interest cannot exceed 75% of the original loan amount

It’s important to note that Missouri does not have a cap on the number of payday loans a borrower can take out at once. However, lenders are required to provide borrowers with a repayment plan that spans at least four installments with no additional fees or interest.

Risks and Benefits of Payday Loans

Like any financial product, payday loans have both risks and benefits. Here are some of the pros and cons:

Benefits:

  • Quick access to cash
  • No credit check required
  • Easy application process

Risks:

  • High fees and interest rates
  • Potential for debt cycle if the loan is not repaid on time
  • May lead to financial instability if used habitually

Before applying for a payday loan, consider whether the benefits outweigh the risks in your specific financial situation.

Interesting Facts and Statistics

According to the Center for Responsible Lending, Missouri payday loan borrowers are mostly low-income individuals with an average income of $25,000 per year. The average payday loan in Missouri is $307, and the average borrower takes out eight loans per year. Additionally, the average APR for payday loans in Missouri is 455%.

Apply Now

If you’ve determined that a payday loan is the right option for you, TheGuaranteedLoans can help connect you with potential lenders. Our service is free and easy to use – simply fill out an online application and we’ll take care of the rest. It’s important to remember that we are a connector service, not a direct lender, and we cannot guarantee loan approval. However, we work hard to match borrowers with lenders who may be able to provide the funds they need.

Don’t let unexpected expenses cause financial stress. Apply for a payday loan today and get the cash you need to cover your bills.

F.A.Q.

Can I have multiple payday loans at the same time in Liberal, Missouri?

No, Missouri law prohibits borrowers from having more than one payday loan at a time. Borrowers must pay off their current payday loan before taking out another one.

Are there any restrictions on how many payday loans a borrower can take out in Liberal, Missouri?

Yes, borrowers in Liberal, Missouri are limited to a maximum of four payday loans per year.