- Quick, easy and secure!
- Bad credit is considered
- Loans with no credit check*
- No upfront or hidden fees
Best Payday Loans in Missouri - Apply Online Now to Borrow Money Online with Money Zap!
Are you facing a cash emergency of any kind? Unexpected medical bills, party invitations, or plumbing issues can often mess up your monthly budget. Traditional bank loans are usually too slow and too complex for such situations—Missouri residents need a quick cash fix they can get within 24 hours. This is precisely when payday loans online get into the picture. With MoneyZap, you can quickly and conveniently apply and get approved for payday lending financial products. These loans come with many benefits and have no restrictions on what you can spend the funds on.
Why Choose MoneyZap for Payday Loans in Missouri
|Bad Credit Accepted||Streamlined Application Process||Trusted and Legit Lenders Only||Fair and Flexible Terms|
|Our lending partners accept and approve applicants with bad credit and perform soft credit checks only.||MoneyZap boasts an easy and online application process that takes no more than 10 minutes of your time.||We work with legit payday lending providers that respect all state regulations.||Our network’s direct lenders offer loans with flexible and transparent repayment terms.|
How to Apply for Online Payday Loans in Missouri
- Apply Online. You can apply for an online payday loan through MoneyZap’s website. Our loan service connects you with top lenders who work with people with all types of financial backgrounds, no credit and bad credit history. All you need to do is fill out the application and submit it.
- Application Review. Our network of direct lenders is committed to helping Missouri consumers find the best match for their financial needs on time and without any hidden fees. But first, both our MoneyZap experts and potential direct lenders must review your application.
- Receive Funds. If approved, you will receive a payday advance proposal from one of our lending partners during the approval process. Make sure to review the offer and e-sign the agreement if everything looks good. You’ll get the money deposited the same day or the next working day.
A typical payday loan is a short-term loan that can cover financial gaps or pay for unexpected expenses. These loans are often called cash advances, salary advances, or check loans, and they're typically repaid within two to four weeks. Payday advances of this type have become popular among consumers due to the flexibility of accessing money without proving creditworthiness.
Missouri statutes do not prohibit payday loans, so residents of Missouri may take out deferred deposit loans for any financial needs. Payday advances are designed to provide consumers with short-term financial solutions, not long-term debt or credit repair. Moreover, they cannot exceed $500, making them suitable for minor cash emergencies only.
Customer eligibility varies from one lender to another. Still, the most common qualifications require borrowers to be at least 18 years old and provide a bank account where lenders can deposit the funds after you've been approved. In addition, lenders may ask for documents, such as pay stubs and tax returns, so make sure these are ready before applying for a loan online. Lastly, another requirement is to provide an address in Missouri, as this is how lenders verify where you live and what laws apply to you.
Missouri residents can borrow the maximum loan amount of $500 for payday loans. A minimum amount is not specified in the state's laws, but most lending parties give out $50 or $100 loans.
Missouri short-term loans don't have a set interest rate by state law. Nonetheless, direct lenders are prohibited from charging a fee of more than 75% of the initial loan amount. So, for example, if you take out a payday advance for $100 with the highest interest rate of 75%, it will incur a total cost of $75. In this case, you’ll borrow $100 and pay back $175. These are considered high interest loans because, on average, the APR (annual percentage rate) on online payday loans in Missouri is about 540%.
Small-term advances have a repayment loan term between 14 and 31 days in Missouri, depending on consumers’ actual loan amounts and the terms agreed upon. The interest rates for this type of cash advance will vary from one lender to another, but most charge between 440% and 540%.
Only one loan transaction is allowed per borrower at a time. This means you cannot have three pending loans from three different payday lenders.
Yes, Missouri allows renewals (rollovers) for payday advances to its residents. When a consumer renews the initial loan, it has to be for 5% less of the initial principal balance. No more than six renewals are allowed for Missouri payday advances.
Most lenders today do not check the consumer's credit score or history. In the state of Missouri, the average FICO score tends to be 707 as of 2020; however, if you have a low FICO score, it might be harder for you to find a lender that approves payday loans with no credit check. Fortunately, MoneyZap works with all types of lenders, including services offered to consumers with low credit scores.
Yes, many lending companies in our network allow customers to apply for a personal loan with no credit check. Usually, they run a soft credit check to verify the consumer's debt standing, which has no impact on your FICO score nor does it show on your credit report. Note that consumers with no credit check should have proof of steady income to be considered for a cash advance.
It's possible to apply for a cash advance with bad credit, but you must show proof of income to qualify. This can include pay stubs, self-employed tax returns, or any other document showing steady income. Many payday loan companies in MoneyZap’s network work with consumers with credit difficulties.
Most lenders require that you be employed for at least three months before applying for a payday loan; however, the majority are willing to work with consumers receiving unemployment benefits. Borrowers can provide their direct deposit amount as proof of income. MoneyZap prides itself on assisting consumers with financial emergencies no matter the cause. We work with an extensive network of lenders that provide solutions to individuals who need cash to deal with short-term debt, regardless of whether or not they are unemployed or furloughed.
Emergency payday loans are meant to cover emergency expenses rather than long-term debt. Such emergencies can include car repairs, medical bills, or travel issues. Payday advances are intended to be repaid within 14 to 31 days of the first deposit and cannot exceed $500.
Missouri residents can apply for and receive their cash advance within 24 hours. Let’s say your application is approved before the end of the business day on a weekday, such as Tuesday. This increases the chances that your cash advance will reach your bank account by the next business day. To receive money quickly, avoid applying during holidays, weekends, or after business hours. All applications will be processed the next working day.
Missouri residents can use payday cash advances for any purposes they deem necessary. Most lenders approve their loans for all types of bills and expenses. Some options include costs related to car repairs, medical emergencies, utility bills, rent, mortgage payments, travel issues, and legal fees.
Missouri law requires that a customer be given ten business days following their first delinquency for a cash advance to either pay off the loan or reaffirm the loan’s terms. If the lender does not receive payment, they could choose to report your delinquency to one of three major credit reporting bureaus. It is best to reach out to your lender to agree on repayment to avoid any negative credit score impact.
MoneyZap can help you find the loan that's right for your financial needs. We work with lenders across Missouri who offer payday loans, installment loans, car title loans, personal loans, debt solutions, and other financial services.
No, MoneyZap is not a direct lender in Missouri—we are a brokerage. We work with multiple private payday loan lenders who approve applications for fast cash. As a loan connection service, we are committed to helping consumers find the best possible solution for their financial needs. You get the loan from the lender we connect you to, and then you repay your debt to them.
No, MoneyZap’s services are 100% free. We do not charge consumers any fees to apply for Missouri deferral deposit loans through our platform. MoneyZap simply connects you to a loan company that best matches your financial situation.
Yes, MoneyZap is entirely safe to use. We work with certified lenders and adhere to all state laws regarding consumer protection. Our website is secure and encrypted with SSL technology, protecting your sensitive data from unauthorized use or access. After applying to our website, all communication between you and the lender happens electronically on their secure network as well.
Yes, it's possible to sign up for a cash advance in Missouri if you have had one before. Most of our lenders do not look at how many cash advances you have applied for in the past—all that matters is whether or not you can get approved for another loan from your lender or not.
We can't guarantee that you will receive a payday loan approval as we are not direct lenders. Instead, we do our best to find loan providers who are most likely to approve your application based on the information you provided us with and your financial situation. All of our lenders provide fast and efficient financial solutions with the best rates and reasonable repayment terms.
We understand that everyone's needs are different, so we work with companies that understand this and offer a variety of options. As such, we make your application process as swift and easy as possible, helping applicants obtain their cash advance faster than ever before!
Borrow Money all Across the Missouri with MoneyZap
|Bates City||Beaufort||Belgrade||Bell City|
|Bloomfield||Bloomsdale||Blue Eye||Blue Springs|
|Blythedale||Bogard||Bois D Arc||Bolckow|
|Bolivar||Bonne Terre||Bonnots Mill||Boonville|
|Cape Fair||Cape Girardeau||Caplinger Mills||Cardwell|
|Clifton Hill||Climax Springs||Clinton||Clubb|
|Creighton||Crocker||Cross Timbers||Crystal City|
|De Kalb||De Soto||De Witt||Dearborn|
|Delta||Denver||Des Arc||Devils Elbow|
|Eagleville||Earth City||East Lynne||East Prairie|
|Edwards||El Dorado Springs||Eldon||Eldridge|
|Excelsior Springs||Exeter||Fagus||Fair Grove|
|Foristell||Forsyth||Fort Leonard Wood||Fortuna|
|Grandview||Granger||Grant City||Gravois Mills|
|Gray Summit||Grayridge||Green Castle||Green City|
|Higbee||Higginsville||High Hill||High Point|
|Jamestown||Jasper||Jefferson City||Jerico Springs|
|Kimberling City||Kimmswick||King City||Kingdom City|
|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|
|Linn Creek||Linneus||Livonia||Lock Springs|
|Lonedell||Long Lane||Loose Creek||Louisburg|
|Maywood||Mc Bride||Mc Clurg||Mc Fall|
|Mc Gee||Mc Girk||Meadville||Memphis|
|Monroe City||Montgomery City||Monticello||Montier|
|Morrisville||Morse Mill||Mosby||Moscow Mills|
|Mound City||Moundville||Mount Sterling||Mount Vernon|
|Mountain Grove||Mountain View||Myrtle||Napoleon|
|Neosho||Nevada||New Bloomfield||New Boston|
|New Cambria||New Florence||New Franklin||New Hampton|
|New Haven||New London||New Madrid||New Melle|
|O Fallon||Oak Grove||Oak Ridge||Odessa|
|Old Appleton||Old Monroe||Oldfield||Olean|
|Pilot Grove||Pilot Knob||Pineville||Pittsburg|
|Plato||Platte City||Plattsburg||Pleasant Hill|
|Pleasant Hope||Plevna||Pocahontas||Point Lookout|
|Ponce de Leon||Pontiac||Poplar Bluff||Portage des Sioux|
|Roby||Rocheport||Rock Port||Rockaway Beach|
|Rockbridge||Rockville||Rocky Comfort||Rocky Mount|
|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|
|Saverton||Schell City||Scott City||Sedalia|
|South Fork||South Greenfield||South West City||Sparta|
|Summersville||Sumner||Sunrise Beach||Sweet Springs|
|Urich||Utica||Valles Mines||Valley Park|
|Wesco||West Alton||West Plains||Westboro|
|Wheeling||Whiteman Air Force Base||Whiteoak||Whiteside|