Payday Loans in Smithton, Missouri

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

Company nameAddressZip codePhone number
United States Postal Service 110 W Opp St, Rock Port, MO 64482 +1 (800) 275 - 8777
E Z Check Payday Loans 12 E Business US Highway 60, Dexter, MO 63841 +1 (573) 624 - 9644
Great Southern Bank 398 E US Hwy 54, Camdenton, MO 65020 +1 (573) 346 - 4414
Regional Finance 6 Arnold Mall, Arnold, MO 63010 +1 (636) 287 - 1926
First State Community Bank 1450 Parkway W, Festus, MO 63028 +1 (636) 937 - 2265
Cash Depot Payday Loans 1118 N Douglass St, Malden, MO 63863 +1 (573) 276 - 6000
Loan Machine 1257 E Republic Rd, Springfield, MO 65804 +1 (417) 832 - 0546
World Finance Corporation 12022 Blue Ridge Ext, Grandview, MO 64030 +1 (816) 965 - 7955
Money Mart 10408 Blue Ridge Blvd, Kansas City, MO 64134 +1 (816) 765 - 6659
Check Cashers of America 1320 US-24 J, Moberly, MO 65270 +1 (660) 263 - 7422

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Smithton, MO, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Saint Charles, MO, Payday Loans in Saint Joseph, MO, Online Loans in Saint Louis, MO, Short-term Loans in Saint Peters, MO, Guaranteed Loans in Springfield, MO, Payday Loans in Wentzville, MO, Same Day Loans in Ballwin, MO and Payday Loan Companies 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 Smithton, MO.

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

65350

Are Payday Loans Legal In Smithton, 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

Smithton, MO payday loan calculator

Advise to read before applying

Are you struggling to make ends meet between paychecks? Do you need a quick infusion of cash to cover unexpected expenses? If so, you may be considering taking out a payday loan. Payday loans are a viable option for those who need short-term financial assistance and have exhausted other resources. In Missouri, payday loans are legal, including in the city of Smithton. Here’s everything you need to know about payday loans in Smithton, Missouri.

What is a Payday Loan?

A payday loan is a short-term, high-interest loan that is designed to cover unexpected expenses between paychecks. These loans are typically small, ranging from a few hundred to a few thousand dollars, and must be repaid in full within a few weeks. Payday loans are typically easy to qualify for, require minimal documentation, and can provide borrowers with fast access to cash.

How Do Payday Loans Work?

To obtain a payday loan in Smithton, Missouri, you must first find a lender who offers these loans. Many payday lenders operate brick-and-mortar storefronts, while others operate exclusively online. You’ll be required to provide the lender with some basic personal and financial information, including your name, address, income, and bank account information. Once you’ve been approved for a loan, you’ll need to sign a contract outlining the terms of the loan, including the interest rate, repayment period, and any fees associated with the loan.

Some payday lenders may require you to provide them with a post-dated check that they’ll deposit if you fail to repay the loan on time. Others may allow you to authorize electronic withdrawals from your bank account. It’s essential to read and understand the terms of the loan agreement carefully.

What are the Requirements for Obtaining a Payday Loan in Smithton, Missouri?

In Missouri, the requirements for obtaining a payday loan are relatively lenient compared to other states. To qualify for a payday loan in Smithton, you must:

  • Be at least 18 years old
  • Have a government-issued ID
  • Have a steady source of income
  • Provide proof of income
  • Have an active bank account

Some lenders may have additional requirements, so it’s essential to research lenders carefully before applying for a loan.

What are the Costs Associated with Payday Loans in Smithton, Missouri?

The costs associated with payday loans in Smithton, Missouri, can vary widely depending on the lender and the terms of the loan. However, the average interest rate for payday loans in Missouri is 463%, which is significantly higher than the national average of 400%. Some lenders may charge additional fees, such as origination fees or late payment fees, which can further increase the total cost of the loan. It’s essential to read the loan agreement carefully and understand all of the associated costs before accepting a loan.

What are the Risks of Payday Loans?

While payday loans can be a helpful financial tool in the short term, they come with significant risks. Because of their high-interest rates and short repayment periods, payday loans can be difficult to repay on time. Failing to repay a payday loan can result in significant penalties and fees, which can further damage your financial situation. Additionally, some payday lenders may engage in predatory practices, such as rolling over loans or offering loans to individuals who cannot afford them.

Interesting Facts or Statistics About Payday Loans in Smithton, Missouri

  • In Missouri, payday loan borrowers take out an average of 10 loans per year.
  • The average payday loan in Missouri is for $307.
  • In 2019, Missouri lawmakers unsuccessfully attempted to pass legislation that would cap payday loan interest rates at 36%.

Apply Now

If you’re considering taking out a payday loan in Smithton, Missouri, TheGuaranteedLoans can help. We’re not a direct lender, but we can help you connect with potential lenders who may be able to offer you a loan that meets your needs. To learn more about the payday loan application process and connect with lenders, fill out our online application today.

Remember, payday loans should only be used as a last resort and should be repaid in full as soon as possible. If you’re struggling with financial issues, reach out to a local credit counseling agency or financial advisor for guidance.

F.A.Q.

Are there any restrictions on payday loan amounts in Smithton, Missouri?

Yes, the maximum payday loan amount in Smithton, Missouri is $500, and the minimum loan term is 14 days.

Can I renew or extend my payday loan in Smithton, Missouri?

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

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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