no credit check payday loans in Missouri
no credit check payday loans in Missouri

Online Payday Loans in Missouri

  • Easy Application
  • Instant Loan Decision
  • From $100 To $5,000
  • Options with Same-Day Deposit
  • Online or in a Store
  • Installment Loans Are Available
Written by Latoria Williams

Advertiser Disclaimer


1F Cash Advance is a financial platform that doesn’t offer loans. We connect you to potential lenders but don’t promise you'll get approved for a loan. The terms, rates, and fees may be discussed with the lender you were approved with. We recommend getting advice from a financial expert about dealing with money struggles without risky loans. For more information, read our full Legal Disclaimer.

Advertiser Disclaimer


1F Cash Advance is a financial platform that doesn’t offer loans. We connect you to potential lenders but don’t promise you'll get approved for a loan. The terms, rates, and fees may be discussed with the lender you were approved with. We recommend getting advice from a financial expert about dealing with money struggles without risky loans. For more information, read our full Legal Disclaimer.

Payday loans are available on the territory of Missouri through 1F Cash Advance. We’re a licensed service designed to help people get quick assistance in emergency situations. Bad credit borrowers are also welcome to apply as we perform no credit check via major credit bureaus. Find out whether you qualify for a short-term loan by visiting our store or filling out an online form.

Missouri Payday Loan Terms

Payday loans in Missouri are legal and regulated by the Mo. Rev. Stat. 408.500 et seq. This legislation requires all small loans to be unsecured and $500 or less. The repayment terms are between 14 and 31 days. Existing regulations also cap payday loan interest rates and fees at a maximum of 75% of the original loan amount. As a result, an average payday loan APR is about 443%.

Missouri borrowers are allowed to make up to 6 renewals, each of them requiring a 5% reduction of the original principal amount. However, the 75% fee cap still applies to rollovered loans.

Interest Rates & Fees Examples

Below are some payday loan examples to help you better understand the potential costs.

Loan amount$450$300
Loan term (days)3114
Total fees$164.72$34.15
Total repaid amount$664.72$334.15

*The examples above are for informational purposes only. Your particular APR will be determined based on your requested loan terms, credit score, income, and other factors.

How to Apply for a Payday Loan Online

Missouri residents can apply for a loan through 1F Cash Advance in 3 simple steps:

  • Apply. Fill out a small application form by specifying your basic personal and financial details. No paperwork or faxing is involved. If needed, you can provide electronic copies of verification documents via the website.

  • Get approved. You will get a guaranteed approval decision within 15 minutes to 1 hour of applying. If you qualify, read the terms of your loan agreement carefully and e-sign a dotted line to accept the offer.

  • Access your funds. If the process runs smoothly, the lender will deposit the money into your bank account as soon as the next business day.

Please note that responsible borrowing is the key to your smooth experience. Prioritize repaying your loan on time to avoid potential penalties and credit consequences.

apply for a loan with instant approval in Missouri

What Do I Need to Qualify?

To qualify for a Missouri online payday loan, you are required to:

  • Be 18 years of age or older;
  • Have a steady income source;
  • Be a US legal citizen or permanent resident;
  • Have an active bank account in your name;
  • Be based in Missouri;
  • Provide valid contact information (your phone number and email address).

If you have no job now but receive money regularly from alternative sources, you may qualify for a cash advance loan, too.

1F Cash Advance Products and Services

Payday Loans

Get between $50 and $500 to quickly solve your financial issues. The repayment is made within 14 to 31 days in one lump sum. Residents with any credit can qualify as long as they have a stable source of income. The borrowed funds can be used for any purpose. No hard credit checks are involved, meaning that the application doesn’t affect your credit score.

Installment Loans

Installment loans are multi-payment loans for borrowers looking for more flexibility. Missouri residents can get between $500 and $5,000 through 1F Cash Advance and repay the money in affordable installments within up to 24 months.

Check Cashing

Most of our in-store locations offer check cashing services. That is the fastest way to access your money without spending hours on end in a bank.

1F Cash Advance Operates Across Missouri

If you are looking for a quick cash advance loan for bad credit, consider applying safely through 1F Cash Advance. Our services are popular with the residents of the following cities:

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

In-store Payday Loans

Are you thinking about where to get your payday loan with face-to-face assistance? In-store services offer a personal touch that online applications often lack. If you need a personalized solution, our branch managers are always here to help you navigate the process and ensure you find the answers to all your questions.

1F Cash Advance Store in Kansas City, MO

Payday loans in Kansas City, Missouri

Branch name: 1F Cash Advance Missouri

Address: 107 West 9th Street, Kansas City, Missouri 64105

Phone: (816) 317-0727

Email: [email protected]

Branch Manager: Maia Tyler

Monday – Friday: 8:00 am to 10:00 pm
Saturday: 9:00 am to 6:00 pm
Sunday: Closed

Get Started

Missouri Cash Loans Near Me

1F Cash Advance has physical locations in Springfield and St. Louis, allowing residents to get much-needed support in person. People who live in other Missouri cities are welcome to apply online and receive a loan without any store visits.

We also have physical locations in other states. Check out other branches in California, Florida, Illinois, New-Jersey, Texas, and Wyoming.

Why Might You Need a Payday Loan?

Payday loans provide a lifeline in case of financial emergencies. They can be quickly requested online in about 5 minutes and often come with next-day or same-day funding. These short-term loans usually don’t involve hard credit checks, meaning that they suit borrowers with bad, poor, and no credit. Missouri residents usually apply for payday loans for one of the following reasons:

  1. Medical expenses. If you need medical treatment that can’t be postponed, overnight payday loans from 1F Cash Advance can help you cover the cost right away.
  2. Car repair. Most people need vehicles to get to work or drive their children to school. When your car suddenly breaks down, taking out a loan can be an option.
  3. House improvements. You may need extra cash for fixing home appliances or paying for services like a pest control expert, a plumber, or an electrician.
  4. Utility bills. The numbers on your bills may fluctuate occasionally and catch you off guard. Borrowing money can be a smart way to avoid more severe consequences.
  5. Make ends meet. Some months are more challenging than others. If prices went up or you had more expenses, we can help you bridge the gap between paydays.

Please note that online cash advance loans are a short-term solution. We do not recommend using them for your long-term financial needs. Before applying, make sure you can comfortably repay the borrowed amount, since it keeps you away from spiraling into debt.

Responsible Borrowing Practices

Payday loans are a fast solution for an emergency. Still, their convenient application process and accessibility may reinforce your bad spending habits and lead to severe financial consequences. At 1F Cash Advance, we believe in fair lending practices and want to contribute to your smooth borrowing experience. Here are a few of our recommendations:

  • Use payday loans as a last resort. Payday loans are quite expensive and can only serve as a short-term financial solution. Use them only in case of an emergency and if other options are unavailable;
  • Assess alternatives. Consider loans offered by credit unions, installment loans, or borrowing from family or friends first. You can also sell something to generate extra cash without going into debt;
  • Borrow only what you need and can afford to repay on time. Don’t take out more than it’s required to cover unexpected expenses. Be realistic about your ability to pay back what you owe on schedule;
  • Choose a lender carefully. Learn more about the red flags of predatory lenders so as not to fall for their tricks. Always read customer reviews, check out the lender’s website, and make sure it’s licensed in your state. By applying via 1F Cash Advance app, you are guaranteed to deal with legitimate lenders only.

Be Aware of the Risks of Payday Loans

While payday loans are quick and easy to get, they can also result in financial and credit implications if handled irresponsibly. Here are the risks you need to consider before making a borrowing decision:

  • High APRs.
  • Short repayment periods.
  • Debt spirals.
  • Extra fees.
  • Potential credit consequences.

Payday Loan Alternatives

If a payday loan seems unsuitable, here are a few alternative ways to get quick financing:

  • Payday alternative loans. Offered by some credit unions, these loans provide longer-term financing at a lower interest rate capped at 28%. Borrowers can get up to $2,000 and repay the funds in 2 to 12 months;
  • Pawn shop loans. Bring some valuable asset you own to a pawnbroker and get a portion of the item’s cost without undergoing any credit checks. If you repay the funds with interest within up to 60 days, you will get your asset back;
  • Cash advance apps. These tools allow you to borrow small amounts against your next paycheck via your smartphone. Install one on your gadget and access the funds you need in a few taps. Apps are often interest-free, but membership and express fees may be applied;
  • Borrowing from family/friends. Your loved ones may put themselves in your place and lend you some money at favorable terms. Just make sure to make a clear arrangement and stick to the agreed-upon repayment terms.

Why Choose 1F Cash Advance

1F Cash Advance makes obtaining a payday loan fast, convenient, and safe. We’ve been in business for over 5 years and have proven ourselves as a reliable small loan provider across the US. It will take you just 5 minutes to request a loan through 1F Cash Advance and about 1 hour to get an approval decision. Approved borrowers get their money within just one business day, making our loans a smart solution for financial emergencies.

We pay special attention to your data security and don’t share your vulnerable information with unaffiliated third parties. Borrowers with any credit are welcome to get much-needed assistance at fair terms. Visit us today and get a quick solution to your financial problem. You can also contact us online via email at [email protected] or by giving us a call at (816) 317-0727.


What are the easiest loans to get with bad credit?

Payday loans are considered one of the easiest loans to get. Still, they may be quite expensive and need to be repaid quickly, making them difficult to handle. If you need money fast with bad credit, 1F Cash Advance offers a simple online application process.

Why choose licensed direct lenders in Missouri?

Unlike indirect loan providers, direct lenders make the entire process faster, simpler, and more confidential. You can also avoid extra fees that third parties often charge for their services. It's also much easier to communicate with a direct lender if you face any difficulty while applying or repaying your loan.

How much can I borrow with online loans?

1F Cash Advance offers Missouri residents loan amounts between $50 and $500 for payday loans and up to $5,000 for installment loans. The exact sum you can qualify for will be determined based on your income, credit history, and the repayment term.

Can I get a payday loan in Missouri if I live in a different state?

You can only apply for a loan in your state of residence. The easiest option is to submit an online application, through 1F Cash Advance.

Can I apply for more small payday loans online at the same time?

No, Missouri state law only authorizes one payday loan at a time.

How fast can I get my instant payday loan if I apply online?

Although online payday loans are processed quickly, they don't come instantly. We still need some time to review your application details for eligibility and make sure you can comfortably repay the loan. You will get a loan decision within 1 hour or less. If approved, the money will be transferred into your bank account on the same or next business day, depending on the time you apply.

Do you perform a credit check for payday loans?

All borrowers need to undergo a soft credit check when they apply for an online payday loan through 1F Cash Advance. However, your credit score is not a determining factor. We look far beyond just your FICO rating and take into account your overall financial situation.

What if I can’t repay my payday loan on time?

You should contact your lender immediately to avoid financial and credit consequences. A lender may offer you a flexible repayment term or loan renewal. Keep in mind that late payments usually come with extra fees, making your debt even more expensive. If you don’t pay for a long time, it may affect your credit score and even result in a lawsuit against you.