Payday Loans in Novelty, Missouri

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

Company nameAddressZip codePhone number
1st Cameron State Bank 515 Platte-Clay Way, Cameron, MO 64429 +1 (816) 632 - 5232
Eldon Missouri Money Store 1411 US-54 BUS suite d, Eldon, MO 65026 +1 (573) 392 - 6999
Anytime Cash Advance 11863 MO-13 #22, Kimberling City, MO 65686 +1 (417) 739 - 0330
Southern Bank 310 Ruth St, Advance, MO 63730 +1 (573) 722 - 5599
Great Western Bank 520 N Pearl St, Milan, MO 63556 +1 (660) 265 - 4000
Tower Loan 218B S Village Center St, Nixa, MO 65714 +1 (417) 724 - 8869
First National Bank 1009 N Douglass St, Malden, MO 63863 +1 (573) 276 - 2257
Missouri Title Loans, Inc. 12695 New Halls Ferry Road, Florissant, MO 63033 +1 (314) 831 - 0217
Check n Go 9262 Blue Ridge Blvd, Kansas City, MO 64138 +1 (816) 966 - 0055
World Finance 2064A Walton Dr, Jackson, MO 63755 +1 (573) 243 - 1002

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Novelty, MO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Saint Charles, MO, Payday Loans in Saint Joseph, MO, Payday Loan Companies in Saint Louis, MO, Quick Loan in Saint Peters, MO, Payday Loans in Springfield, MO, Payday Loans in Wentzville, MO, Payday Loans in Ballwin, MO and Payday Loans in Blue Springs, 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 Novelty, MO.

Beautiful sights of Novelty, MO

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

63460

Are Payday Loans Legal In Novelty, 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

Novelty, MO payday loan calculator

Payday Loans in Novelty, Missouri: Your Ultimate Guide

If you’re short on funds and facing unexpected expenses, a payday loan may seem like an appealing option. But before you jump into a payday loan agreement, it’s essential to learn as much as you can about the lending process, your rights as a borrower, and the laws that govern payday loans. In this guide, we’ll take a deep dive into payday loans in Novelty, Missouri, and provide you with all the information you need to make an informed decision.

How Payday Loans Work in Novelty, Missouri

Payday loans are short-term, high-interest loans designed to help borrowers who need cash fast. The borrower writes a post-dated check to the lender for the loan amount plus fees, and the lender gives the borrower cash in return. The loan is usually due on the borrower’s next payday or within two weeks.

In Novelty, Missouri, payday loans are legal, and lenders can offer loans up to $500. Lenders can charge interest rates up to 75% of the loan amount, plus additional fees and charges. Missouri law requires payday lenders to disclose all fees, interest rates, and repayment terms to borrowers before making a loan.

Your Rights as a Borrower

As a borrower, you have certain rights and protections under the law. Missouri law requires payday lenders to:

  • Disclose all fees and charges associated with the loan
  • Provide a written loan agreement
  • Allow borrowers to cancel the loan within 24 hours
  • Prohibit lenders from threatening or harassing borrowers for late payments

Payday lenders in Novelty, Missouri, must also comply with the Truth in Lending Act (TILA), a federal law that requires lenders to disclose all loan terms and conditions to borrowers.

Benefits of Payday Loans

Payday loans can be a lifeline for borrowers facing unexpected expenses or cash shortages. Payday loans offer several benefits, including:

  • Quick and easy application process
  • No credit check required
  • Funds deposited directly into your bank account

Payday loans can help you bridge the gap between paychecks or cover unexpected expenses, but they should not be used as a long-term financial solution. Payday loans are intended for short-term use only and can be very costly if not repaid on time.

Risks of Payday Loans

Payday loans can come with several risks, including:

  • High-interest rates and fees
  • Short repayment terms
  • Debt cycle and financial hardship if not paid back on time

It’s essential to understand the risks associated with payday loans and make an informed decision based on your financial situation and needs.

Interesting Facts and Statistics

  • In Missouri, the average payday loan is $315, and the average APR is 452%.
  • Missouri law allows borrowers to renew payday loans up to six times.
  • The Missouri Division of Finance regulates payday lending in the state.

Apply Now

If you’re considering a payday loan in Novelty, Missouri, TheGuaranteedLoans can help. Our online application process is quick and easy, and we’ll connect you with potential lenders who may provide you with the cash you need. But remember, we are a connector service only and not a direct lender. We’ll facilitate your connection with potential lenders, and all loan terms and conditions will be provided to you by the lender.

Apply now and get the cash you need to cover your unexpected expenses!

F.A.Q.

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

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

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

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