Payday Loans in MISSOURI USA

Missouri Payday Loan Laws and Legislation

Payday loans are presupposed for situations when money is needed urgently and a person cannot find the way where to get it. Generally, they are cash advances given to a person against the next paycheck for a fee.

In the state of Missouri the laws concerning payday lending are the most favorable for the lenders and, actually, the softest in all the states. The existing legislation was passed in 2002 and it allowed a lot of payday lending businesses to flourish. Nowadays there are about 1,200 of such companies apart from the ones that operate online. The state has got truly the most lenient laws in regards to the interest rates as well.

Payday lenders are allowed to operate in the state provided they have got a license issued by the state's Division of Finance. It is required that the license was displayed in a visible place and contained all the information about the payday lender and the business as well as the Division of Finance contact information.

According to the amendments in the law in 2006 the maximum amount of a payday loan should not exceed $500. One loan at a time is allowed and it is not prohibited for a lender to charge fees and interest. Loans are given for the term of 14-31 days. Interest rate should not exceed 75% for an amount of loan; the same interest is charged for every renewal. With all this APR in the state of Missouri is the highest - in some cases it amounts to 2,000%. It is allowed to give a borrower 5-6 rollovers.

It is required by the law that a lender should provide a borrower with a copy of agreement including all the information about the payday lending transaction. Beside, a notice about the terms and condition should be included and a borrower is required to read the contract carefully before signing it. Transaction can be cancelled by the end of the next business day in case of necessity.

It is required that a lender should make the information about charges, terms and APR visible and clear to customers. Moreover, a lender is also required to keep all the documents about payday lending transaction and all the records for at least 2 years. In case any lender decides to cease the operation of a lending company, the Division of Finance must be notified at least ten business days prior to it. Moreover, he is obliged to provide the letter explaining the reasons for such a decision, hand in the license and also give the location of any receivables.

Criminal actions against borrowers are prohibited in the state unless it is when the borrower stopped payment on the check or closed the account before the repayment was done. Collection fees are allowed in case of insufficient funds but not via a series of Automated Clearing House (ACH) transactions. Besides, lenders are obliged to keep all the customers' information private and not to share it with other lenders. It is required that a borrower was informed about APR charged by the payday lending business before signing the agreement.

Find Fast Payday Loan lender by cities in Missouri USA:

•  Adrian
•  Advance
•  Agency
•  Alba
•  Albany
•  Aldrich
•  Alexandria
•  Allendale
•  Allenton
•  Alma
•  Altamont
•  Altenburg
•  Alton
•  Amazonia
•  Amity
•  Amoret
•  Amsterdam
•  Anabel
•  Anderson
•  Annada
•  Annapolis
•  Anniston
•  Appleton City
•  Arbela
•  Arbyrd
•  Arcadia
•  Archie
•  Arcola
•  Argyle
•  Armstrong
•  Arnold
•  Arrow Rock
•  Asbury
•  Ash Grove
•  Ashburn
•  Ashland
•  Atlanta
•  Augusta
•  Aurora
•  Auxvasse
•  Ava
•  Avilla
•  Bakersfield
•  Ballwin
•  Baring
•  Barnard
•  Barnett
•  Barnhart
•  Bates City
•  Beaufort
•  Belgrade
•  Bell City
•  Belle
•  Belleview
•  Bellflower
•  Belton
•  Benton
•  Benton City
•  Berger
•  Bernie
•  Bertrand
•  Bethany
•  Bethel
•  Beulah
•  Bevier
•  Billings
•  Birch Tree
•  Bismarck
•  Bixby
•  Black
•  Blackburn
•  Blackwater
•  Blackwell
•  Blairstown
•  Bland
•  Blodgett
•  Bloomfield
•  Bloomsdale
•  Blue Eye
•  Blue Springs
•  Blythedale
•  Bogard
•  Bois D Arc
•  Bolckow
•  Bolivar
•  Bonne Terre
•  Bonnots Mill
•  Boonville
•  Boss
•  Bosworth
•  Bourbon
•  Bowling Green
•  Bradleyville
•  Bragg City
•  Braggadocio
•  Brandsville
•  Branson
•  Brashear
•  Braymer
•  Brazeau
•  Breckenridge
•  Briar
•  Bridgeton
•  Brighton
•  Brinktown
•  Brixey
•  Bronaugh
•  Brookfield
•  Brookline
•  Broseley
•  Browning
•  Brownwood
•  Brumley
•  Bruner
•  Brunswick
•  Bucklin
•  Buckner
•  Bucyrus
•  Buffalo
•  Bunceton
•  Bunker
•  Burfordville
•  Burlington Junction
•  Butler
•  Butterfield
•  Cabool
•  Cadet
•  Cainsville
•  Cairo
•  Caledonia
•  Calhoun
•  California
•  Callao
•  Camden
•  Camden Point
•  Camdenton
•  Cameron
•  Campbell
•  Canalou
•  Canton
•  Cape Fair
•  Cape Girardeau
•  Caplinger Mills
•  Cardwell
•  Carl Junction
•  Carrollton
•  Carterville
•  Carthage
•  Caruthersville
•  Cascade
•  Cassville
•  Catawissa
•  Catron
•  Caulfield
•  Cedar Hill
•  Cedarcreek
•  Center
•  Centertown
•  Centerview
•  Centerville
•  Centralia
•  Chadwick
•  Chaffee
•  Chamois
•  Charleston
•  Cherryville
•  Chesterfield
•  Chestnutridge
•  Chilhowee
•  Chillicothe
•  Chula
•  Clarence
•  Clark
•  Clarksburg
•  Clarksdale
•  Clarksville
•  Clarkton
•  Clearmont
•  Cleveland
•  Clever
•  Clifton Hill
•  Climax Springs
•  Clinton
•  Clubb
•  Clyde
•  Coatsville
•  Coffey
•  Cole Camp
•  Collins
•  Columbia
•  Commerce
•  Conception
•  Conception Junction
•  Concordia
•  Conway
•  Cook
•  Cooter
•  Corder
•  Cosby
•  Cottleville
•  Couch
•  Cowgill
•  Craig
•  Crane
•  Creighton
•  Crocker
•  Cross Timbers
•  Crystal City
•  Cuba
•  Curryville
•  Dadeville
•  Daisy
•  Dalton
•  Darlington
•  Davisville
•  Dawn
•  De Kalb
•  De Soto
•  De Witt
•  Dearborn
•  Deepwater
•  Deerfield
•  Deering
•  Defiance
•  Delta
•  Denver
•  Des Arc
•  Devils Elbow
•  Dexter
•  Diamond
•  Diggins
•  Dittmer
•  Dixon
•  Doe Run
•  Doniphan
•  Dora
•  Dover
•  Downing
•  Drexel
•  Drury
•  Dudley
•  Duenweg
•  Duke
•  Dunnegan
•  Durham
•  Dutchtown
•  Dutzow
•  Eagle Rock
•  Eagleville
•  Earth City
•  East Lynne
•  East Prairie
•  Easton
•  Edgar Springs
•  Edgerton
•  Edina
•  Edwards
•  El Dorado Springs
•  Eldon
•  Eldridge
•  Elk Creek
•  Elkland
•  Ellington
•  Ellsinore
•  Elmer
•  Elmo
•  Elsberry
•  Emden
•  Eminence
•  Emma
•  Eolia
•  Essex
•  Ethel
•  Eudora
•  Eugene
•  Eunice
•  Eureka
•  Everton
•  Ewing
•  Excello
•  Excelsior Springs
•  Exeter
•  Fagus
•  Fair Grove
•  Fair Play
•  Fairdealing
•  Fairfax
•  Fairport
•  Fairview
•  Falcon
•  Farber
•  Farley
•  Farmington
•  Farrar
•  Faucett
•  Fayette
•  Fenton
•  Festus
•  Fillmore
•  Fisk
•  Flemington
•  Fletcher
•  Flinthill
•  Florence
•  Florissant
•  Foley
•  Fordland
•  Forest City
•  Foristell
•  Forsyth
•  Fort Leonard Wood
•  Fortuna
•  Foster
•  Frankford
•  Franklin
•  Fredericktown
•  Freeburg
•  Freeman
•  Freistatt
•  Fremont
•  French Village
•  Friedheim
•  Frohna
•  Fulton
•  Gainesville
•  Galena
•  Gallatin
•  Galt
•  Garden City
•  Garrison
•  Gasconade
•  Gatewood
•  Gentry
•  Gerald
•  Gibbs
•  Gibson
•  Gideon
•  Gilliam
•  Gilman City
•  Gipsy
•  Glasgow
•  Glenallen
•  Glencoe
•  Glenwood
•  Gobler
•  Golden
•  Golden City
•  Goodman
•  Gordonville
•  Gorin
•  Gower
•  Graff
•  Graham
•  Grain Valley
•  Granby
•  Grandin
•  Grandview
•  Granger
•  Grant City
•  Gravois Mills
•  Gray Summit
•  Grayridge
•  Green Castle
•  Green City
•  Green Ridge
•  Greenfield
•  Greentop
•  Greenville
•  Greenwood
•  Grover
•  Grovespring
•  Grubville
•  Guilford
•  Hale
•  Half Way
•  Hallsville
•  Halltown
•  Hamilton
•  Hannibal
•  Hardenville
•  Hardin
•  Harris
•  Harrisburg
•  Harrisonville
•  Hartsburg
•  Hartshorn
•  Hartville
•  Harviell
•  Harwood
•  Hatfield
•  Hawk Point
•  Hayti
•  Hazelwood
•  Helena
•  Hematite
•  Henley
•  Henrietta
•  Herculaneum
•  Hermann
•  Hermitage
•  Higbee
•  Higginsville
•  High Hill
•  High Point
•  High Ridge
•  Highlandville
•  Hillsboro
•  Holcomb
•  Holden
•  Holland
•  Holliday
•  Hollister
•  Holt
•  Holts Summit
•  Hopkins
•  Hornersville
•  House Springs
•  Houston
•  Houstonia
•  Huggins
•  Hughesville
•  Humansville
•  Hume
•  Humphreys
•  Hunnewell
•  Huntsville
•  Hurdland
•  Hurley
•  Iberia
•  Imperial
•  Independence
•  Ionia
•  Irondale
•  Ironton
•  Isabella
•  Jackson
•  Jacksonville
•  Jadwin
•  Jameson
•  Jamesport
•  Jamestown
•  Jasper
•  Jefferson City
•  Jerico Springs
•  Jerome
•  Jonesburg
•  Joplin
•  Kahoka
•  Kaiser
•  Kansas City
•  Kearney
•  Kelso
•  Kennett
•  Kewanee
•  Keytesville
•  Kidder
•  Kimberling City
•  Kimmswick
•  King City
•  Kingdom City
•  Kingston
•  Kingsville
•  Kirbyville
•  Kirksville
•  Kissee Mills
•  Knob Lick
•  Knob Noster
•  Knox City
•  Koeltztown
•  Koshkonong
•  La Belle
•  La Grange
•  La Monte
•  La Plata
•  La Russell
•  Labadie
•  Laclede
•  Laddonia
•  Lake Ozark
•  Lake Saint Louis
•  Lake Spring
•  Lamar
•  Lampe
•  Lanagan
•  Lancaster
•  Laquey
•  Laredo
•  Latham
•  Lathrop
•  Laurie
•  Lawson
•  Leadwood
•  Leasburg
•  Lebanon
•  Lees Summit
•  Leeton
•  Lenox
•  Lentner
•  Leonard
•  Leopold
•  Leslie
•  Lesterville
•  Levasy
•  Lewistown
•  Lexington
•  Liberal
•  Liberty
•  Licking
•  Liguori
•  Lilbourn
•  Lincoln
•  Linn
•  Linn Creek
•  Linneus
•  Livonia
•  Lock Springs
•  Lockwood
•  Lodi
•  Lohman
•  Lone Jack
•  Lonedell
•  Long Lane
•  Loose Creek
•  Louisburg
•  Louisiana
•  Lowndes
•  Lowry City
•  Lucerne
•  Ludlow
•  Luebbering
•  Luray
•  Lynchburg
•  Macks Creek
•  Macomb
•  Macon
•  Madison
•  Maitland
•  Malden
•  Malta Bend
•  Mansfield
•  Mapaville
•  Marble Hill
•  Marceline
•  Marionville
•  Marquand
•  Marshall
•  Marshfield
•  Marston
•  Marthasville
•  Martinsburg
•  Martinsville
•  Maryland Heights
•  Maryville
•  Matthews
•  Maysville
•  Mayview
•  Maywood
•  Mc Bride
•  Mc Clurg
•  Mc Fall
•  Mc Gee
•  Mc Girk
•  Meadville
•  Memphis
•  Mendon
•  Mercer
•  Meta
•  Metz
•  Mexico
•  Miami
•  Middle Brook
•  Middletown
•  Milan
•  Milford
•  Mill Spring
•  Miller
•  Millersville
•  Milo
•  Mindenmines
•  Mineral Point
•  Missouri City
•  Moberly
•  Mokane
•  Monett
•  Monroe City
•  Montgomery City
•  Monticello
•  Montier
•  Montreal
•  Montrose
•  Moody
•  Mooresville
•  Mora
•  Morehouse
•  Morley
•  Morrison
•  Morrisville
•  Morse Mill
•  Mosby
•  Moscow Mills
•  Mound City
•  Moundville
•  Mount Sterling
•  Mount Vernon
•  Mountain Grove
•  Mountain View
•  Myrtle
•  Napoleon
•  Naylor
•  Neck City
•  Neelyville
•  Nelson
•  Neosho
•  Nevada
•  New Bloomfield
•  New Boston
•  New Cambria
•  New Florence
•  New Franklin
•  New Hampton
•  New Haven
•  New London
•  New Madrid
•  New Melle
•  Newark
•  Newburg
•  Newtonia
•  Newtown
•  Niangua
•  Nixa
•  Noble
•  Noel
•  Norborne
•  Norwood
•  Novelty
•  Novinger
•  O Fallon
•  Oak Grove
•  Oak Ridge
•  Odessa
•  Old Appleton
•  Old Monroe
•  Oldfield
•  Olean
•  Olney
•  Oran
•  Oregon
•  Oronogo
•  Orrick
•  Osage Beach
•  Osborn
•  Osceola
•  Otterville
•  Owensville
•  Oxly
•  Ozark
•  Pacific
•  Palmyra
•  Paris
•  Park Hills
•  Parma
•  Parnell
•  Patterson
•  Patton
•  Pattonsburg
•  Peace Valley
•  Peculiar
•  Perkins
•  Perry
•  Perryville
•  Pevely
•  Philadelphia
•  Phillipsburg
•  Pickering
•  Piedmont
•  Pierce City
•  Pilot Grove
•  Pilot Knob
•  Pineville
•  Pittsburg
•  Plato
•  Platte City
•  Plattsburg
•  Pleasant Hill
•  Pleasant Hope
•  Plevna
•  Pocahontas
•  Point Lookout
•  Polk
•  Pollock
•  Polo
•  Pomona
•  Ponce de Leon
•  Pontiac
•  Poplar Bluff
•  Portage des Sioux
•  Portageville
•  Portland
•  Potosi
•  Pottersville
•  Powell
•  Powersite
•  Powersville
•  Prairie Home
•  Preston
•  Princeton
•  Protem
•  Purcell
•  Purdin
•  Purdy
•  Puxico
•  Queen City
•  Quincy
•  Qulin
•  Racine
•  Ravenwood
•  Raymondville
•  Raymore
•  Rayville
•  Rea
•  Redford
•  Reeds
•  Reeds Spring
•  Renick
•  Republic
•  Revere
•  Reynolds
•  Rhineland
•  Rich Hill
•  Richards
•  Richland
•  Richmond
•  Richwoods
•  Ridgedale
•  Ridgeway
•  Risco
•  Riverside
•  Rives
•  Roach
•  Robertsville
•  Roby
•  Rocheport
•  Rock Port
•  Rockaway Beach
•  Rockbridge
•  Rockville
•  Rocky Comfort
•  Rocky Mount
•  Rogersville
•  Rolla
•  Rombauer
•  Roscoe
•  Rosebud
•  Rosendale
•  Rothville
•  Rueter
•  Rush Hill
•  Rushville
•  Russellville
•  Rutledge
•  Saginaw
•  Saint Albans
•  Saint Ann
•  Saint Charles
•  Saint Clair
•  Saint Elizabeth
•  Saint James
•  Saint Joseph
•  Saint Louis
•  Saint Mary
•  Saint Patrick
•  Saint Peters
•  Saint Robert
•  Saint Thomas
•  Sainte Genevieve
•  Salem
•  Salisbury
•  Santa Fe
•  Sarcoxie
•  Savannah
•  Saverton
•  Schell City
•  Scott City
•  Sedalia
•  Sedgewickville
•  Seligman
•  Senath
•  Seneca
•  Seymour
•  Shelbina
•  Shelbyville
•  Sheldon
•  Shell Knob
•  Sheridan
•  Shook
•  Sibley
•  Sikeston
•  Silex
•  Silva
•  Skidmore
•  Slater
•  Smithton
•  Smithville
•  Solo
•  South Fork
•  South Greenfield
•  South West City
•  Sparta
•  Spickard
•  Spokane
•  Springfield
•  Squires
•  Stanberry
•  Stanton
•  Stark City
•  Steedman
•  Steele
•  Steelville
•  Stella
•  Stet
•  Stewartsville
•  Stockton
•  Stotts City
•  Stoutland
•  Stoutsville
•  Stover
•  Strafford
•  Strasburg
•  Sturdivant
•  Sturgeon
•  Success
•  Sullivan
•  Summersville
•  Sumner
•  Sunrise Beach
•  Sweet Springs
•  Syracuse
•  Tallapoosa
•  Taneyville
•  Tarkio
•  Taylor
•  Tebbetts
•  Tecumseh
•  Thayer
•  Theodosia
•  Thompson
•  Thornfield
•  Tiff
•  Tiff City
•  Tina
•  Tipton
•  Treloar
•  Trenton
•  Trimble
•  Triplett
•  Troy
•  Truxton
•  Tunas
•  Turners
•  Turney
•  Tuscumbia
•  Udall
•  Ulman
•  Union
•  Union Star
•  Uniontown
•  Unionville
•  Urbana
•  Urich
•  Utica
•  Valles Mines
•  Valley Park
•  Van Buren
•  Vandalia
•  Vanduser
•  Vanzant
•  Verona
•  Versailles
•  Viburnum
•  Vichy
•  Vienna
•  Villa Ridge
•  Vista
•  Vulcan
•  Waco
•  Waldron
•  Walker
•  Walnut Grove
•  Walnut Shade
•  Wappapello
•  Wardell
•  Warrensburg
•  Warrenton
•  Warsaw
•  Washburn
•  Washington
•  Wasola
•  Watson
•  Waverly
•  Wayland
•  Waynesville
•  Weatherby
•  Weaubleau
•  Webb City
•  Wellington
•  Wellsville
•  Wentworth
•  Wentzville
•  Wesco
•  West Alton
•  West Plains
•  Westboro
•  Weston
•  Westphalia
•  Wheatland
•  Wheaton
•  Wheeling
•  Whiteman Air Force Base
•  Whiteoak
•  Whiteside
•  Whitewater
•  Willard
•  Williamsburg
•  Williamstown
•  Williamsville
•  Willow Springs
•  Windsor
•  Windyville
•  Winfield
•  Winigan
•  Winona
•  Winston
•  Wolf Island
•  Wooldridge
•  Worth
•  Worthington
•  Wright City
•  Wyaconda
•  Wyatt
•  Yukon
•  Zalma
•  Zanoni


Disclamer: 4paydayloan.com is not a lender and does not broker loans. This website collects information which you provide and then forwards it to one more or lenders in our network. Individual lenders make the loan approval decision and determine the terms and conditions of each loan agreement.

4paydayloan.com may share the information which you provide at any step of the application process with third parties, including members of its lender network and other third party lenders with whom it has a marketing relationship.Payday lenders may perform routine credit checks and will normally verify all of the information which you supply on the application.

Submission of personal information is strictly voluntary and does not guarantee that you will be matched with a payday lender or will receive a payday loan. Not everyone will qualify for a payday loan.Not all lenders are able to provide the maximum amount of 1000$ in cash funds.

Cash transfer times vary among the different lenders and not all offer one hour transfer service.Payday loans are not available in all 50 states and the list of participating states may change at any time and without notice.



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