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Payday Loans in Missouri

Compare licensed lenders • Check MO regulations • Apply online

Last updated: June 2026

Max Loan
$500
Cities Covered
1
Legal Status
Legal
Population
6,154,913

Missouri Payday Loan Regulations

Max Loan Amount:$500
Max Term:14 days
Typical APR:652%
Cooling-Off:None
Rollover Allowed:Yes

Payday loans in Missouri are regulated by Division of Finance. Typical APR up to 652%.

Important: This information is current as of February 2026. State regulations may change. Always verify with your lender and state regulator before signing a loan agreement.

About Payday Loans in Missouri

Payday loans in Missouri are regulated by Division of Finance. Typical APR up to 652%.

Missouri is located in the Midwest region of the United States with a population of 6,154,913.

Key Regulations:

  • Maximum APR: 652%
  • Maximum loan amount: $500
  • Maximum term: 14 days
  • Rollovers allowed
  • Regulated by Missouri Division of Finance

Regulatory Authority: Missouri Division of Finance
Official Website: https://finance.mo.gov/

Representative Example APR in Missouri

Payday and small-dollar loan costs vary by lender, amount, and state rules. The example below shows how fees can translate into APR on a short-term loan.

Loan amount Term Fee per $100 Total repayment Equivalent APR
$500 14 days $15 $575 391%

Example only. Actual APR and total repayment in Missouri depend on lender pricing, term length, and state compliance limits.

Cities in Missouri

Kansas City

Pop: 508,090

View Lenders →
Browse all 1 city pages in Missouri
Kansas City

Frequently Asked Questions – Missouri

Are payday loans legal in Missouri?
Yes, payday loans are legal in Missouri. The state is regulated by the Missouri Division of Finance, which oversees all payday lenders. Payday loans in Missouri are regulated by Division of Finance. Typical APR up to 652%.
What is the maximum payday loan amount in MO?
The maximum payday loan amount in Missouri is $500. Finance charges are capped at Varies by lender. Always verify with your lender before applying.
How long do I have to repay a payday loan in Missouri?
In Missouri, payday loans typically have a maximum term of 14 days. Some lenders offer installment loans with longer repayment periods. Check specific lender terms.
Can I have multiple payday loans at once in MO?
Payday loans in Missouri are regulated by Division of Finance. Typical APR up to 652%.
How do I find licensed payday lenders in Missouri?
All payday lenders in Missouri must be licensed by the Missouri Division of Finance. You can verify a lender's license at https://finance.mo.gov/. Only work with licensed lenders to protect yourself.
What documents do I need for a payday loan in MO?
Most Missouri payday lenders require: (1) Valid ID (driver's license or state ID), (2) Proof of income (pay stubs or bank statements), (3) Active checking account, (4) Social Security number, (5) Proof of residence.
What is the typical APR for payday loans in Missouri?
In Missouri, the maximum APR is 652%. Actual APR varies by lender and loan amount. Always review the loan agreement for total cost before signing.
Are there alternatives to payday loans in MO?
Yes. Consider: (1) Credit union loans (often lower rates), (2) Payment plans with creditors, (3) Local assistance programs, (4) Employer cash advances, (5) Friends or family loans. Explore all options before committing to a payday loan.

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Important Legal Notice

This information is current as of January 2026 and is for informational purposes only. Payday loan regulations in Missouri may change. Always verify current regulations with the Missouri Division of Finance before applying. Credizen is a comparison platform and we do not directly provide loans.

We may earn commission from lenders when you submit a loan request. This does not affect which lenders you are matched with.

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Rostislav Sikora

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