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Payday Loans in St. Louis, Missouri

Payday Loans in St. Louis, Missouri


Applying for a payday loan in St. Louis, MO has never been easier. Apply online from top direct lenders and get the funds you need quickly and easily.

Don't let bad credit or the lack of a bank account stop you from getting the cash you need in St. Louis, MO. Apply for a fast payday advance online with no credit check required. Fill out a free application form and get an instant decision from top lending companies.

To get fast and easy Payday Loans Missouri Online just start the application now and the money will be deposited to your bank account the same day. No hard credit check is typically required.


Apply for online payday loans and get instant decision from the best St. Louis lending organization


Rates last updated March 24th, 2023


Smaller tax return than you expected? Apply online for quick cash. Apply

Are Payday Loans Legal in St. Louis, MO?

Loan Rates and Fees, Laws and Regulations in Missouri.

The residents of Missouri can count on a $500 Payday cash advance. Those who need more can apply for $1000 - $5000 Installment and $5000 - $35000 Personal loans. Sections 408.500, 408.505, and 408.506 make up the entire law concerning payday loans (a.k.a. "small, small loans"), which are loans of $500 or less.Such lenders must be licensed by the Division of Finance. Sections 408.500-408.505 subject this type of lender to a host of consumer safeguards, i.e., places a 75 percent cap on interest and fees on the initial loan and renewals, limits renewals to no more than six, limits the term of the loan to 14-31 days, applies daily interest calculations, etc. Additionally, the lender must conspicuously post rates and a borrower who repays a loan before the close of the lender's next full business day pays no interest or fees. 

The repayment term is 14-31 days. The APR can reach 1950%. Finance rates and fees are not specified but their total amount shouldn’t exceed 75% of the initial cash advance.

The number of simultaneous loans is not specified but it shouldn’t be more than $500 to any one lender. If you default a loan you can get 6 rollovers on condition that you reduce the sum by 5% or more upon each renewal.

Law status legal
MIN Loan Amount None
MAX Loan Amount $500
MIN. Loan Term 14 days
MAX. Loan Term 31 days
MAX APR can reach 1950%
Additional fees Not stated
NSF fee None
Collateral or guarantor None, unsecured
Number of simultaneous loans Not limited but no more than $500 from a lender
Cooling off period None
Rollover 5 rollovers
Extension, repayment plan Not allowed
Default penalties Criminal actions are prohibited
Credit score requirements Available for Bad Credit
Apply online

How to Get a St. Louis Loan Online?

If you're looking to obtain a loan in St. Louis, MO, you have the option of applying online. This can be a convenient and quick way to get the funds you need. To get a St. Louis loan online, follow these steps:

  1. Research lenders: Start by researching lenders that offer online loans in St. Louis. Look for lenders that have good reviews, a user-friendly website, and transparent terms and fees.
  2. Check eligibility: Once you have identified a few lenders, check their eligibility requirements to make sure you qualify for a loan. Most lenders will require you to have a steady income, a bank account, and be at least 18 years old.
  3. Fill out an application: After you have found a lender that you qualify for, fill out their online loan application. This will typically include personal information, employment details, and the loan amount you need.
  4. Submit documentation: Most lenders will require you to submit some form of documentation to verify your income and identity. This may include bank statements, pay stubs, or government-issued ID.
  5. Wait for approval: Once you have submitted your application and documentation, wait for the lender to review your information and approve your loan. This can take anywhere from a few hours to a few days.
  6. Receive funds: If your loan is approved, the lender will typically deposit the funds directly into your bank account. You can then use the funds for your intended purpose, whether it's paying bills, making a purchase, or covering an unexpected expense.

By following these steps, you can apply for payday loans in St. Louis fast.


What are the Pros of Payday Loans in St. Louis, MO?

Here are some of the pros of payday loans in St. Louis, MO:

  1. Easy to qualify: Payday loans typically have more lenient eligibility requirements than other types of loans. Most payday lenders will only require you to have a steady income, a bank account, and be at least 18 years old.
  2. Quick funding: Payday loans are designed to provide quick funding when you need it most. Most lenders will approve your application and provide the funds within a few hours, or even minutes in some cases.
  3. No collateral needed: Unlike traditional loans, payday loans do not require collateral. This means that you do not have to put any assets, such as your car or home, at risk to secure the loan.
  4. Flexible use of funds: Payday loans can be used for any purpose, whether it's paying bills, making a purchase, or covering an unexpected expense. You have the freedom to use the funds as you see fit.
  5. Credit score not a factor: Payday lenders typically do not require a credit check, so your credit score does not play a role in whether or not you are approved for a loan. This can be helpful if you have a poor credit score or no credit history.


What Can Be Considered Proof of Income in St. Louis, MO?

When applying for a loan or other financial product in St. Louis, MO, you will typically need to provide proof of income. Here are some examples of what can be considered proof of income:

  1. Pay stubs: Your most recent pay stubs can be used to prove your income. These should show your current earnings, taxes paid, and any deductions.
  2. Bank statements: You can also provide bank statements as proof of income. These should show regular deposits from your employer, as well as any other income sources.
  3. Tax returns: If you are self-employed or have income from other sources, you can provide your most recent tax returns as proof of income.
  4. Letters from employers: If you do not have pay stubs or bank statements, you can ask your employer to provide a letter stating your current income and employment status.
  5. Social Security or disability statements: If you receive Social Security or disability benefits, you can provide your most recent statement as proof of income.

When providing proof of income, it's important to make sure that the documents are current and accurate. If you are unsure about what to provide, contact the lender or financial institution for guidance.


Can I Get Payday Loans Online Same Day in St. Louis, MO?

Yes, it is possible to get payday loans online same day in St. Louis, MO. Many payday lenders offer quick and easy online applications that can be approved within hours or even minutes.


What If I Need a Payday Loan Immediately in St. Louis?

If you need a payday loan immediately in St. Louis, there are several options you can consider:

  1. Visit a storefront location: Some payday lenders have physical storefront locations where you can apply for a loan and receive cash the same day.
  2. Apply online: Many payday lenders offer online applications that can be approved within hours or even minutes. If approved, the funds can be deposited directly into your bank account.
  3. Consider alternative lenders: There are alternative lenders, such as credit unions and community banks, that offer short-term loans with lower fees and interest rates than traditional payday lenders.
  4. Use a credit card: If you have a credit card with available credit, you can use it to cover the expense. Keep in mind that credit cards often have high interest rates and fees as well.
  5. Ask family or friends: If possible, consider asking family or friends for a loan. Make sure to agree on repayment terms and stick to them to avoid straining the relationship.

It's important to carefully consider all of your options before taking out a payday loan, especially if you need the funds immediately. Make sure to read the terms and conditions of the loan carefully, understand the fees and interest rates, and have a plan to pay back the loan on time to avoid additional fees and potential financial difficulties.

PayDay Loan Calculator

Select the amount for the loan you want in order to get the principal, which is the basis that we use to calculate the interest and the total cost of the cash advance.
The number of days within that you will be ready to repay the loan. It’s used to count the total cost of cash advance by multiplying the days by the amount of interest.
To calculate the total cost of your loan, we take the minimal average APR legal in all States, which is 36%. This figure is only a representative, providing you with general information on how much the loan may cost. To find out a more accurate total, fill in the Annual Percentage Rate required by the lender you want to apply to.
It’s the money charged by the lender for doing all the necessary paper work, bank transactions, etc., connected with lending you the money.
$ Your loan
+ $ Your fee
= $ Total Cost*

* Total Cost - The sum of money you are to pay off within the term you’ve chosen if you borrow the stated above amount for the average (or required by your lender) APR.

All the calculations are provided as guides only. They don’t guarantee 100% the same cost you are going to be charged but they do help you understand the overpay much better. Unless you change the APR, the calculations will be based on the average or lowest rate represented by most lenders for each loan type. You’ll find the accurate interest rate as well as the real cost of your cash advance after you get approved before you sign the agreement. It will depend on many factors including the amount, the term of the loan, your credit score and the lender’s conditions. Interest rates are not fixed figures and are subject to change at any time. As soon as you fill out an application and get approved all the details concerning the rates and terms will be sent to you.

Payday Loans Available in St. Louis, MO by the following ZIP codes:

63101 63102 63103 63104 63105 63106 63107 63108 63109 63110 63111 63112 63113 63114 63115 63116 63117 63118 63119 63120 63121 63122 63123 63124 63125 63126
63127 63128 63129 63130 63131 63132 63133 63134 63135 63136 63137 63138 63139 63140 63141 63143 63144 63145 63146 63147 63150 63151 63155 63156 63157 63158 63160 63163 63164 63166 63167 63169 63171 63177 63178 63179 63180 63182 63188 63190 63195 63196 63197 63199

In 2023 there are 311,404 people living in St. Louis, MO. According to the statistics, 18684 of them look for "Payday Loans Near Me in St. Louis, MO" or apply for St. Louis Payday Loans online in need of emergency short-term financing. No wonder, these people request instant cash as their median household income is 35599. That's why COMPACOM was designed - to help customers complete a quick and easy application form 100% online and get guaranteed approval from the best St. Louis, Missouri direct lenders.

Payday Loans Store Locations in St. Louis, MO

Cash Advance and other Money Offers in St louis, MO:

Up to $5,000 instant cash with guaranteed approval from direct lender with a few months of scheduled installments.
$5,000 - $35,000 quick loans for any personal needs. Available for any credit score and don't require any collateral.
Fast Title Loans secured by your vehicle title as collateral. No inspection. No credit checks. Instant cash for bad credit same day.



How to qualify for online Payday Loans in St. Louis, MO?


How St. Louis Payday Loans online work?


Can I get a Payday Loan with bad credit in St. Louis, MO?


Do St. Louis lenders offer no credit check Payday Loans?


How fast can I get a Payday Loan in St. Louis, MO?


Do lenders in St. Louis, MO require a certificate from the employer?


How long does an online payday loan take?


Do you have to specify the purpose of a payday loan?


Can I take a payday loan at Compacom if I have a liability with another loan company?


How to sign a payday loan agreement?


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