Missouri Payday Loans
- Borrow up to $500
- Convenient online application
- Instant approval decisions
- Loans without a credit check
- Maximum term of 31 days
Why Trust Us?
1F Cash Advance has been providing emergency loans since 2019. We are licensed and operate under state laws. Over 140,305 consumers have already benefited from our services, both online and in stores.
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Online Cash Loans in Missouri
1F Cash Advance serves residents of the Show-Me State who are looking for quick financial assistance. We offer a fast and easy application process and same-day funding options to help you handle unexpected expenses as soon as possible.
You can apply online for our Missouri payday loans with no paperwork and no credit check. For in-store applications, visit one of our locations and let our staff ensure a smooth experience. Our representatives are also available at (816) 317-0727 for any questions.
How the Loan Process Works
No matter how you apply (online, in a store, or over the phone), our process is always convenient and fast. Here's what you need:
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Complete an application form. Provide basic personal, banking, and financial information in just five minutes.
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Get approved. Our system will review your application details quickly so you may get an instant loan decision.
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Receive funding. Once approved, finalize your loan by reading the terms and signing the agreement. The money will be transferred to you on the same day* of approval.
*Not all customers will be eligible for same day funding. Loan agreements originated after 10:30 am CT or on weekends will be deposited on the next business day.
What Do You Need Before Applying
You only need this information to get your loan process started with us:
- Valid ID
- Social Security Number
- Proof of Missouri address
- Valid email and phone number
- Active bank account
- Proof of steady income
Missouri Rates & Terms
Payday loans in Missouri come with the loan amount cap of $500. The minimum repayment period is 14 days, while the maximum repayment term is 31 days. State laws restrict lenders from charging more than 75% of the borrowed amount, including both interest and any fees that may apply for loan renewals or late payments.
Here are a few examples of fees and payments for a 14-day payday loan:
| Loan Amount | Finance Charge | Total Repayment | APR |
|---|---|---|---|
| $100 | $21 | $121 | 547.5% |
| $300 | $63 | $363 | 547.5% |
| $500 | $105 | $605 | 547.5% |
Customer Notice: Payday loans are short-term solutions with a single repayment by your next paycheck. Make sure you read and understand the terms before signing your loan agreement. The APR depends on your loan amount, repayment period, and creditworthiness and may reach 651%.
How Much Can I Borrow?
Payday loans in Missouri allow you to borrow up to $500 and are due within 14 to 31 days. This makes them suitable for small, short-term emergencies. If you need a long-term solution for more substantial needs, consider alternative options that offer higher amounts and more repayment flexibility.
Installment Loans in Missouri
An installment loan is an unsecured loan you can receive in one lump sum and repay it over time in a series of fixed monthly installments. At 1F Cash Advance, you can borrow up to $5,000 for up to 24 months. While conventional personal loans always require good credit, we look at your overall financial situation. This makes our installment loans a perfect fit for borrowers with bad credit who need a fast way to meet their long-term needs.
1F Cash Advance in Missouri
Feel free to visit one of our MO locations if you have a unique situation or simply prefer more personalized assistance:
Why Choose Us?
1F Cash Advance is a state-licensed loan company that provides fast and accessible loans to Missouri residents with any credit. Here’s why our customers love us:
Quick & Easy Loan Process
Our online payday loans in Missouri come with instant approval and same-day funding, allowing you to address urgent expenses as soon as they arise. All you need to get started is to fill out a simple form in just five minutes.
Financial Education and Support
We want to help people improve their money management skills and make informed financial choices. Even if you don't need a loan right now, you can check out our free educational resources and learn more about personal finance, borrowing, and debt management.
Data Security Best Practices
1F Cash Advance is committed to protecting your personal and financial information by using modern security protocols and encryption technologies. We don't share your data with unaffiliated third parties.
We're trusted by thousands of borrowers across Missouri
exceptional service
had a really good time at 1f cash Advance explained everything to me in a way I understood also gave me some awesome tips on managing loans that I never wouldve thought of myself and just exceptional service!
expected getting a loan to be tiring
expected getting a loan to be tiring, but Dove made it smooth and stress-less and their chill attitude and expertise made a difference she even shared practical ideas on budgeting and staying on top of payments.
Taking this loan out went way smoother…
Taking this loan out went way smoother than I thought managers weren’t just professional but also pretty friendly, which made the whole thing less nerve-wracking their advice on handling the payments and keeping my credit solid was useful too. Its cool to see a finance place act like real people for a change!
recommend
if your looking to get a loan, I’d recommend going to check this place out for sure. The folks there are friendlier than your cousin Jed, and they’ll give you real solid advice on budgeting and dealing with debt that makes sense. They turned what couldve been a real stressful thing into a nice casual chat between friends
I’m very happy.
Their customer service really stood out. I had a question about repayment terms, and they explained everything in detail without making me feel pressured. I’m very happy with my experience.
FAQ
How fast will I get a payday loan?
Funds are typically available by the next business day following approval. However, if your payday loan is finalized by 10:30 a.m. CT on a banking day, same-day funding may be available.
Can I apply for a payday loan with bad credit?
1F Cash Advance offers payday loans to Missouri residents with bad credit, based on their income and overall financial situation. We prioritize your ability to repay the funds, making financial assistance available to people who can't qualify for loans from traditional banks.
Will applying for a loan affect my credit score?
Both in-store and online payday loans we offer in Missouri come without a credit check via major credit bureaus. We verify your information via alternative means, so applying won't affect your FICO rating.
What if I can't repay my loan?
Under Missouri law, borrowers may be eligible for up to six payday loan renewals. The options you may be offered include an extended payment plan (EPP), variable payment plan (VPP), or refinancing. Please note that loan renewals may involve extra fees. Call or visit us for more details at least one banking day before your payment is due. Keep in mind that late or missed payments can lead to late or NSF fees and credit score damages.