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Payday Loans in Missouri — Laws, Limits & Online Lenders

Compare licensed payday lenders in Missouri. One application, multiple offers, no credit impact.

1 Apply in Minutes
2 Compare Offers
3 Get Funded

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Missouri Payday Loan Laws at a Glance

Max Loan Amount $500
Max APR 1,950%
Max Term 31 days
Rollovers Six rollovers
Cooling-Off Period None
Governing Statute Mo. Rev. Stat. § 408.500
Note: One of the least restrictive states

How to Get a Payday Loan in Missouri

Getting a payday loan in Missouri is straightforward. Fill out the form above with your basic information — name, address, income, and bank account details. Our network of Missouri-licensed lenders reviews your application and presents offers based on your profile.

You compare terms, choose the offer that works best for you, and funds are deposited directly into your bank account — often the same day or next business day.

Requirements for Missouri Borrowers

  • Must be 18 years or older (resident of Missouri)
  • Active checking account
  • Regular source of income
  • Valid government-issued ID
  • Not active-duty military

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What to Know Before Borrowing in Missouri

Under Mo. Rev. Stat. § 408.500, payday lenders in Missouri may charge up to the state maximum on qualifying loans. Make sure you understand the total repayment amount before accepting any offer. If you cannot repay on time, contact your lender immediately — Missouri may require lenders to offer an extended payment plan.

For more information on payday loan regulations across all states, see our Missouri and other state payday loan laws.

Payday Loans by City in Missouri

Select your city for local payday loan information, lender options, and Missouri regulations that apply to your area.

Kansas City St. Louis Springfield Columbia Independence Lee's Summit O'Fallon St. Joseph St. Charles Blue Springs St. Peters Florissant Joplin

Missouri Payday Loan FAQ

Are payday loans legal in Missouri?

Yes. Payday loans are legal in Missouri under Mo. Rev. Stat. § 408.500. Lenders must be licensed by the state banking regulator.

How much can I borrow in Missouri?

The maximum payday loan amount in Missouri is $500. Your actual loan amount depends on your income and the lender's assessment.

What is the maximum APR in Missouri?

The maximum APR for payday loans in Missouri is approximately 1,950%. Actual rates vary by lender within this limit.

Can I roll over a payday loan in Missouri?

Six rollovers

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