1,477 · Guides · August 27, 2026
Missouri offer profiles
Checked loan services for Missouri
15 offers are listed for Missouri. The available GEO lists no exclusion for Missouri.
A marketplace may accept a ZIP code but still fail to find a licensed lender or suitable product. Confirm the creditor’s Missouri authority, amount financed, APR, simple interest, every fee, 14-to-31-day maturity, renewal count and cancellation notice.
YourPayDay
Advertising-referral service
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Cash advance 200%–1,386%; installment 6.63%–225% in the service disclosure
State availability
LendYou
Advertising-referral service
- Disclosed amount
- $100–$35,000
- Cost disclosure
- Cash advance 200%–1,386%; installment 6.63%–485%; personal 4.99%–450%
State availability
VitaPayday
Advertising-referral service
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Cash advance 200%–1,386%; installment 6.63%–225% in the service disclosure
State availability
PayDayMark
Advertising-referral service
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Cash advance 200%–1,386%; installment 6.63%–225%; generic personal-loan wording 5.99%–35.99%
State availability
ItsFunded
Paid lead-generation marketplace
- Disclosed amount
- $500–$5,000
- Cost disclosure
- Set by the participating lender; no representative APR published
State availability
247FastFunds
Marketplace / lead-generation service
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Set by the participating lender; no representative range verified on accessible pages
State availability
Wizzay
Paid lead-generation marketplace
- Disclosed amount
- $100–$5,000
- Cost disclosure
- 35.99% or below stated for qualified consumers; provider controls actual terms
State availability
Cash Request Online
Paid lender-connection marketplace
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Set by the matched lender; no representative range in reviewed archived pages
State availability
Get Funds ASAP
Paid lender-connection marketplace
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Set by the matched lender; no representative range in archived disclosures
State availability
Money Aids
Paid lender-connection service
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Set by the matched lender; no representative range in archived disclosures
State availability
PayZonno
Paid lender-connection marketplace
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Set by the matched lender; no representative range in archived disclosures
State availability
My Credit Advance
Paid lender-connection marketplace historically operated by Napayshni LLC
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Set by the matched lender; no representative range in reviewed archived disclosures
State availability
Prime Time Advance
Paid lender-connection marketplace historically operated by Napayshni LLC
- Disclosed amount
- $100–$5,000
- Cost disclosure
- Set by the matched lender; no representative range in reviewed archived disclosures
State availability
FastMoneySource
Paid lead generator and aggregator
- Disclosed amount
- $100–$50,000
- Cost disclosure
- Set by the purchaser or lender; no representative APR range published
State availability
Honest Loans
Paid lead generator and aggregator
- Disclosed amount
- $100–$50,000
- Cost disclosure
- Set by the purchaser or lender; no representative APR range published
State availability
Available GEO checked August 27, 2026. ✅ and ❌ reflect the supplied affiliate-program state list, not approval, funding, legal authorization or statewide lender coverage. Review and destination links remain available for verification.
Missouri payday-loan rules: the direct answer
Missouri permits short-term payday loans, also called “small, small loans,” when the lender is licensed by the Missouri Division of Finance. The covered product is an unsecured loan of $500 or less. Missouri’s framework uses simple interest and permitted fees, requires a written Truth in Lending disclosure and asks a licensee to consider whether the borrower can reasonably repay on the contract schedule.
The Missouri Division of Finance describes several important guardrails: a loan term must be 14 to 31 days, accumulated interest and fees on one loan and its renewals cannot exceed 75% of the initial loan amount, and a loan may be renewed no more than six times. On the first and each later renewal, the borrower must reduce principal by at least 5% of the original amount. A lender may not have more than $500 in covered loans outstanding to the same borrower, and a new loan from the same lender or affiliate cannot be used to repay the old one.
The offer cards on this page are national matching and referral services, not a list of Missouri licensees. A marketplace form does not establish that a Missouri lender will fund an application or that the displayed range is a compliant $500-or-less product. Before providing a Social Security number or bank permission, identify the actual creditor, license, amount financed, interest, fees, maturity date and payment method in the final agreement.
Who may make a Missouri payday loan?
A nonbank in the business of making unsecured loans of $500 or less must obtain a license from the director of the Division of Finance. Banks, trust companies, credit unions, savings banks and savings-and-loan companies are treated separately, as are certain consumer-credit loans under Chapter 367 and a check deposited or cashed by the payee on the same or next business day. Ask which category the proposed creditor is using; a “personal loan” label does not by itself remove a transaction from Chapter 408.
Search the exact legal name in the signed agreement, including any d/b/a name, address and license number. A lead generator can be licensed as a different type of business, or not be the creditor at all. Confirm the entity that owns the balance and receives each fee rather than relying on a familiar logo.
Rate, fee and 75% total-cost ceiling
Missouri sections 408.500 and 408.505 direct licensed payday lenders to use simple interest and fees authorized by the state’s general loan provisions. For one covered loan, the total accumulated interest and fees over the initial term and all permitted renewals cannot exceed 75% of the initial loan amount. That is a cumulative ceiling, not a promise that a lender will charge 75%, and it does not make a high fee affordable merely because it falls below the cap.
The Division publishes an APR formula based on fee plus interest divided by the amount financed, divided by the term in days, multiplied by 365 and 100. Its example of a $100 advance with a $15 fee due in 14 days produces an annualized APR above 390%. Use the amount actually received as the amount financed, include every mandatory charge and count the exact days.
A lender must conspicuously post the maximum annual percentage rates it currently charges and provide a bold notice that short-term loans should be read before signing. The borrower should receive a cancellation notice: returning the full principal by the close of the lender’s next full business day cancels the loan without interest or fees. Keep a dated copy of that notice and any receipt if you exercise the right.
Compare the amount financed, daily simple interest, every fee, the 14-to-31-day term and the cumulative 75% ceiling. Then ask whether the scheduled payment fits after essential bills, not only whether it passes a lender screen.
Renewals, principal reduction and repayment timing
A Missouri borrower can request a renewal in writing and pay the interest and fees then due, but a renewal is not a free extension. The first renewal and every later renewal must reduce principal by at least 5% of the original amount. No loan may be renewed more than six times. Because the 75% ceiling applies across the original loan and renewals, write down each payment’s interest, fees and principal before agreeing to another cycle.
The statutory term is at least 14 days and no more than 31 days for both an original and a renewed loan. Once the lender presents the payment instrument or the borrower pays the instrument in full, the loan is completed and a new loan may be considered. A lender or affiliated entity may not make another loan whose proceeds repay the previous one, and the same lender or affiliate cannot have more than $500 outstanding to one borrower at one time.
Ability to repay, disguised loans and online offers
Missouri law requires a licensee to consider the borrower’s financial ability to reasonably repay in the time and manner written in the contract. Ask what income, recurring obligations and existing covered loans were considered, and make sure the payment date does not collide with rent, utilities, food, transportation or another automatic debit.
The protections apply to transactions that the Division determines are disguised loans or subterfuge designed to avoid the payday provisions. A sale-leaseback, catalog purchase, membership or renamed “advance” cannot lawfully create more interest and fees than Chapter 408 permits. If a website routes the consumer through several brands, save every consent screen and ask which company is the creditor, which company is the servicer and which company can withdraw funds.
Online matching also creates a data-sharing question. Read the privacy and electronic-consent pages for marketing partners, credit-report inquiries, bank-connection tools, recurring ACH authority and retention. Do not pay an advance “insurance” or release fee to receive a loan. A legitimate price belongs in a complete credit agreement after the lender is identified.
Default, returned payments and borrower records
A returned payment can lead to a charge allowed by Missouri’s returned-check provisions and, in a court action, awarded collection costs or reasonable attorney fees. It does not erase the 75% limit or authorize an invented service charge. Ask for the account ledger, payment allocation and written basis for each amount.
Keep the application, signed note, rate notice, renewal request, bank statement, debit authorization, cancellation receipt and all messages. If the lender threatens arrest, refuses to identify the creditor or insists that a renewal requires only a fee, treat that conduct as a warning and contact the Division of Finance.
A practical Missouri verification checklist
Borrow Radar’s calculators can model annualized cost, installment alternatives and the household margin after a due date. They are arithmetic tools, not legal opinions or approval decisions. A careful Missouri comparison ends with the named creditor’s contract, license record and payment schedule. If those details are missing, pause rather than treating a matching result as a funded offer.
- Record the marketplace, creditor, servicer, legal address, license number, amount financed and each company named in the privacy notice.
- Confirm that the product is an unsecured Missouri loan of $500 or less and that the creditor is licensed or falls within a documented statutory exception.
- Calculate simple interest and every mandatory fee using the actual cash received and exact 14-to-31-day term; compare the result with the written APR and the 75% lifetime-of-loan ceiling.
- If a renewal is offered, verify the written request, the 5% original-principal reduction and the number of previous renewals; never use a same-lender loan to pay the old one.
- Save the cancellation notice and return the full principal by the close of the next full business day if that right is useful and feasible.
- If the payment would leave essentials unpaid, ask a creditor, employer, bank, credit union or nonprofit counselor for a hardship arrangement before authorizing a debit.
Missouri payday-loan FAQ
- Question 1What is the maximum Missouri payday-loan amount?
- Answer
Missouri’s payday-loan category covers unsecured loans of $500 or less. A lender or affiliate may not have more than $500 in covered loans outstanding to the same borrower at one time.
- Question 2How long can a Missouri payday loan last?
- Answer
The original and renewed loan term must be at least 14 days and no more than 31 days. The written agreement controls the exact maturity date.
- Question 3How many times can a Missouri payday loan be renewed?
- Answer
A loan may be renewed no more than six times. On the first and every later renewal, the borrower must reduce principal by at least 5% of the original loan amount, and accumulated interest and fees cannot exceed 75% of that original amount.
- Question 4Can I cancel a Missouri payday loan after signing?
- Answer
Yes. Returning the full principal to the lender by the close of the lender’s next full business day cancels the loan without interest or fees. Keep proof of the return and ask for a written zero-balance confirmation.
- Question 5Where can I report a Missouri payday-lender problem?
- Answer
Try the lender in writing first, then use the Missouri Division of Finance consumer-complaint route. Include the legal company, license information, timeline, contract, payment records and the resolution you are seeking.