Payday Loans in Roach, Missouri

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

Company nameAddressZip codePhone number
D A Davidson & Co 4700 Belleview Ave 425, Kansas City, MO 64112 +1 (816) 360 - 2270
Security Finance 1090 S Neosho Blvd Suite I, Neosho, MO 64850 +1 (417) 451 - 5150
Advance America 4343 NE Chouteau Trafficway, Kansas City, MO 64117 +1 (816) 455 - 0444
CheckSmart 1435 NE Douglas St, Lee's Summit, MO 64086 +1 (816) 347 - 8899
Advance America 1213 S Main St #197, Sikeston, MO 63801 +1 (573) 472 - 8004
Fairway Independent Mortgage Corporation 1021 Kingsway Dr Unit 11-C, Cape Girardeau, MO 63701 +1 (573) 651 - 9008
Chillicothe State Bank 600 Washington St, Chillicothe, MO 64601 +1 (660) 646 - 5120
Walmart Money Center 1888 Hwy 28, Owensville, MO 65066 +1 (573) 437 - 4156
Check Into Cash 102 George E Phelps Blvd, Carthage, MO 64836 +1 (417) 358 - 4604
First State Community Bank 302 W St Louis St, Pacific, MO 63069 +1 (636) 747 - 0050

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Roach, MO, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Columbia, MO, Guaranteed Loans in Florissant, MO, No Credit Check Loans in Independence, MO, Guaranteed Loans in Jefferson City, MO, Quick Loan in Joplin, MO, Online Loans in Kansas City, MO, Payday Loan Companies in Lee's Summit, MO and Payday Loan Without a Credit Check in Liberty, 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 Roach, MO.

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Are Payday Loans Legal In Roach, 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

Roach, MO payday loan calculator

Advise to read before applying

Understanding Payday Loans in Roach, Missouri

If you live in Roach, Missouri, you might be familiar with payday loans. Payday loans are meant to serve as a short-term loan option that helps you cover unexpected expenses or bills before your next paycheck. These loans are legal in Missouri and are regulated by the Missouri Division of Finance.

What Are Payday Loans?

Payday loans are a type of loan that allows you to borrow a small amount of money for a short period, usually two weeks. The loan amount can range from $50 to $500, and the loan term is based on your payday cycle. This means that the loan is due on your next payday.

Payday loans are designed to be easy to access and quick to obtain. You can apply online or in-person and receive the funds within a day or two. This makes them an option for those with bad credit or those who cannot get approved for traditional loans.

The Loan Process

The payday loan process is straightforward. You need to provide the lender with proof of income, such as a pay stub, your contact information, and a postdated check or authorization for direct debit. The postdated check or debit authorization tells the lender the amount you wish to borrow and the date it is due. When the loan is due, the lender cashes the postdated check or debits your account.

The Cost of Payday Loans

Payday loans are known for their high costs. In Missouri, the maximum loan amount is $500, and lenders can charge up to 75% of the loan amount in interest and fees. This means that if you borrow $500, you could end up paying back $875. This can be a significant financial burden, especially if you have trouble repaying the loan on time.

Risks and Alternatives to Payday Loans

If you are considering a payday loan, it is essential to be aware of the risks. The high interest rates and fees can cause a cycle of debt that is difficult to break. If you are unable to repay the loan on time, you could face additional fees, and the lender can take legal action to collect the debt.

There are alternatives to payday loans that are less expensive and less risky. These include:

  • Credit union loans
  • Personal loans
  • Credit card cash advances
  • Payment plans with creditors or service providers

If you need money fast, there are also other options that can help you cover your expenses:

  • Sell items you no longer need or want
  • Ask family or friends for a loan
  • Gig economy work, such as driving for a ride-sharing or delivery service
  • Overtime or extra shifts at work

Interesting Facts and Statistics About Payday Loans in Roach, Missouri

Did you know that over 1.2 million payday loans were taken out in Missouri in 2019? This is an alarming number that highlights the need for more affordable credit options for consumers.

In Roach, Missouri specifically, payday loans are a popular option for those who need money quickly. However, it is essential to understand the risks and costs associated with these loans before taking one out.

Apply Now

If you have weighed your options and decided that a payday loan is the best option for you, TheGuaranteedLoans can help you find a lender. Our online application process is simple and secure, and you can receive a decision within minutes.

We are a connector service, which means that we work with a network of lenders to help you find the best loan option for your needs. We do not make lending decisions or provide loans directly. Instead, we facilitate the connection between you and potential lenders and assist you in finding the best deal possible.

Apply now and get the money you need to cover your expenses.

F.A.Q.

Can I renew or extend my payday loan?

No, payday loans in Roach, Missouri cannot be renewed or extended.

Are there any fees associated with payday loans in Roach, Missouri?

Yes, payday lenders in Roach, Missouri are allowed to charge a maximum interest rate of 75% per year on the loan amount. There may also be additional fees for late or non-payment.

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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