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

Online Payday Loans in Missouri

  • Payday Loans for Bad Credit
  • Safe Online Application
  • Same-Day Deposit
  • Good Credit Not Mandatory
  • Convenient Rates
  • Easy Repayment
  • Payday Loans Near Me

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Missouri Payday Loans Online

Online payday loans are available on the territory of Missouri (MO). Borrowers are welcome to apply regardless of their credit history. Find out in minutes if you qualify for a short-term loan.

Table of Contents

When a Missouri Payday Loan Makes Sense

A financial emergency may occur at any given time. Unfortunately, we see it happening with average Americans every day. If you are struggling with unexpected financial emergencies, consider a Missouri payday loan through 1F Cash Advance. 

With us, taking an online payday loan is as safe as borrowing from a storefront location. To that, we add the convenience of 24/7 applications and fast processing. You don’t need to look for a store that may or may not be open now when you most need it. When you submit your loan request through us, we share it with dozens of licensed direct lenders in your state. As a result, you reach out to top industry leaders in a matter of minutes. 

Online payday lenders are more tolerant of your poor credit. Moreover, applying for a small online payday loan does not affect your credit score, and you may be approved despite the bad credit. If you meet the main requirements, you will receive an offer via email. On typical business days, it will be an almost instant approval. The lender will then make a direct deposit into your bank account. That usually happens the next business day. In some lucky cases, same-day deposits may also occur.

Why Get a Payday Loan Online?

Missouri bad credit payday loansWhen a financial emergency hits, it shakes off your economic stability and peace of mind. There is no time to wait for the next paycheck. You need to act fast and get cash as quickly as possible. Missouri residents most often apply for a loan in one of the following situations:

  1. Medical expenses. Keeping yourself in good health is a priority. Your physical well-being may be costly. Medical expenses usually cannot and shouldn’t be postponed.
  2. Car repair. Most people count on their vehicles to get to work or drive their children to school. For that reason, when your car breaks down, you cannot wait until you get your next paycheck. 
  3. House improvements. Sometimes, home appliances need fixing or replacing. You could need the services of a pest control expert, a plumber, or an electrician.
  4. Utility bills. The numbers on your bills will fluctuate occasionally. Some of these fluctuations may catch you off guard. It makes sense to apply for a small-dollar loan and avoid more severe consequences. 
  5. Make ends meet. Some months are more challenging than others. If prices went up or you had more expenses, a small-dollar loan will help you bridge the gap between paydays.

Please note that online cash advances are a short-term solution. We do not recommend counting on them for your long-term financial needs. Direct lenders will only approve your request if they think you can repay your debt. That is to your advantage, as well, since it keeps you away from spiraling into debt.

How Do Missouri Cash Loans Work?

Missouri loans for poor creditApplying for a payday loan in Missouri is possible even with poor credit. Payday lenders usually process applications in a matter of minutes and may deposit your loan on the same day. Cash advance loans are fast funding options that don’t involve collateral or overly complicated application procedures.

When taking a payday loan, the borrower may write a check, which the lender then cashes out on the loan’s due date. Alternatively, borrowers can grant access for lenders to automatically withdraw the loan amount plus interest from the beneficiary’s bank account.

The second method is preferred in the payday loans industry. First of all, the borrower doesn’t have to worry they would miss the deadline. And secondly, the payday lender can retrieve their money on time.

MO Online Payday Loans vs. Installment Loans

Payday Loans

In the state of Missouri, borrowers can apply for short-term cash advances of up to $500. They are also called payday loans because you must pay them back from your next paycheck. The allowed terms on the territory of the state are between 14 and 31 days. The interest rate for a short-term loan can vary between $10 and $30 for each $100 that you borrow. For example, if you take a $200 loan for 14 days at a fee of $20, your repayment will be $240.

Installment Loans

Missouri residents can access an online installment loan for up to $5,000, depending on the lender. Compared to cash advances, installment loans are long-term, which is why they may seem less expensive. You repay the principal with the finance charge in fixed monthly payments, also known as installments.

The average terms vary from a couple of months up to a year. The number of your payments depends on how often you get paid. Loan providers calculate the exact fees based on your loan request and income details. In addition, an origination fee may apply.

Missouri Payday Loan Terms

Short-term cash advance loans are a fast way to receive the money you need for an emergency. Direct lenders are fully aware of the urgent nature these loans carry. That’s why they deposit the funds into your checking account as soon as you sign the loan agreement.

For your convenience, the debt amount is automatically withdrawn from your account on the due date. It’s essential to keep an eye on the loan terms and ensure there are enough funds in your account when it’s time to pay off the loan. That way, you avoid unnecessary issues.

If you cannot repay the loan amount on the due date, contact your lender and ask for a rollover. While you are allowed to extend your loan term six times, it’s not a recommended practice.

According to Missouri state laws, borrowers must have a copy of the loan contract, containing all the information about the terms and conditions of the lending transactions.

How to Tell if a Lender is Legitimate

It’s usually easy to spot a legitimate licensed direct lender. First of all, they will display this information in a visible spot, both on their website and in-store. Secondly, if you contact their customer care service, they should provide you with a license number valid in Missouri.

It’s essential to work with direct lenders if you want to keep your personal information safe. When the transaction goes through third parties, your details are at risk. Moreover, being in touch with a licensed direct lender simplifies communication and prevents misunderstandings.

When applying through our website, for instance, you only get in contact with the direct lender willing to offer you a loan. On top of that, we guarantee the security of the data going through our platform. We do not share it with any unaffiliated parties or interfere with your communication with the direct lender.

Missouri Online Loans Interest Rates

Missouri state regulations cap all interest and fees on payday loans to a maximum of 75% of the original loan amount. Unlike Delaware online loans, which allow for four rollovers, borrowers in Missouri are allowed six. Even if they decide to use several rollovers, the 75% rule still applies. As a result, the interest rate on an average loan can be up to 443% or higher.

The most popular loan amounts in Missouri are $100, $150, $200, $250, $300, $350, $400, $450, $500. Missouri cash advances, like Mississippi payday loans, are capped at $500. See below some payday loan examples.

Loan amount $450
Loan term (days) 31
Fee for each $100 $25
Total interest $113
Total repaid amount $563
APR 295.66%
Loan amount $300
Loan term (days) 14
Fee for each $100 $20
Total interest $60
Total repaid amount $360
APR 521.00%

Can I Get Instant Payday Loan Approval Online?

Although online payday loans in Missouri are a quick funding option, approvals don’t come instantly. “Instant approval” is used by borrowers and lending companies to refer to the prompt processing of applications. Depending on the workload, some customers receive an almost immediate decision.

Loan experts know that most applicants look for same-day loans, so they do their best to speed up the process. The average time for a Missouri loan deposit is within one business day. If you need a lending service open on Saturday or Sunday, you might have to wait until the next workday.

Or you can apply online via our platform. This does not guarantee you overnight loan approval, but you have decent chances to qualify.

Are There Missouri Payday No Credit Check Loans?

Your credit score is less important when you apply for an online payday loan. Traditional financial institutions look into your full credit report. Unlike them, direct lenders only perform a soft credit check. In other words, applying for a cash advance doesn’t affect your score.

Missouri payday loan companies don’t typically report to credit bureaus either unless you fail to repay them as agreed. Most lenders will usually do some alternative credit check. However, a poor credit score will not usually prevent you from being approved.

To them, your income source is more important. For all these reasons, checking a loan application only takes around 15 minutes, and you receive a fast loan decision.

How to Qualify for a Payday Loan in Missouri

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 citizen or permanent resident;
  • Own an active bank account;
  • 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. Unemployed, disabled people who are on social benefits may also be eligible. Retired people who no longer have a job per se but have alternative income streams could also have a chance. A short-term loan is typically easy to qualify for.

We Provide Payday Loans in the Following Cities in Missouri

If you are looking for a quick cash advance loan for bad credit, consider applying safely through us. Our services are popular in Missouri services such as:

Kansas City St. Louis Springfield
Columbia Independence Lee’s Summit
O’Fallon St. Joseph St. Charles
St. Peters Blue Springs Florissant
Joplin Chesterfield Jefferson City
Wentzville Cape Girardeau Wildwood
University City Liberty Ballwin
Raytown Kirkwood Gladstone
Maryland Heights Hazelwood Grandview
Belton Webster Groves Nixa

How to Apply for a Missouri Payday Loan

Missouri small payday loans onlineMissouri residents find the application process through the 1F Cash Advance website straightforward: 

  1. Apply. Submitting a loan application is easy. You need to fill in each blank with your basic details, then submit it. There is no faxing. You can submit document scans made with a smartphone. We ensure a secure connection and do not share your information with unaffiliated third parties. You will not receive any unsolicited phone calls or marketing emails.
  2. Get approved. On typical workdays, receiving approval is a matter of minutes or one hour tops. If you qualify, a direct lender will email you their offer. We strongly recommend you read it and clarify any ambiguities before signing it. Your contract will specify the terms and fees, the interest rate, and the APR.
  3. Access your funds. If the process runs smoothly, the lender will deposit the money into your bank account shortly. Statistics show an average of one business day for a transaction to go through. It may take more or less time. Each case is different, and every application has its own pace.

We urge you to be a responsible consumer and repay your loan on the repayment date per the contract terms. That will help you avoid potential penalties and other consequences.

In-store Payday Loans in Missouri

Are you thinking about where to get your payday loan? Are you also looking for a lender who will provide you face-to-face cash loan assistance? Our branch manager will make sure you find the answers you are looking for. Schedule an in-person appointment to get a convenient payday loan offer.

This move will allow us to be closer to the people we serve, so we can continue to provide the same high quality service you’ve come to expect from 1F Cash Advance.

We are still working hard on getting everything moved over, but if you have any questions about this transition, please feel free to email us at [email protected] or give us a call at (816) 317-0727.

Payday loans Kansas City, Missouri
Cash advance in Kansas City MO
1F Cash Advance payday loans Missouri

1F Cash Advance Payday Loans Store Location in Kansas City, Missouri

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

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Cash Advance Services

Payday Cash Advances

Customers can apply for a cash advance online without any paperwork and get their money fast. A short-term payday cash advance of up to $1,000 will help you solve your financial issues until you get your next paycheck. Repaying the loan quickly, in up to a month, will allow you to get back to your usual financial habits. A quick cash advance is ideal for solving minor financial issues. Our branch manager will make sure you get all the answers you need as fast as possible.

Payday Installment Loans

Our website provides access to quick payday loans. The same product is accessible at our retail stores. No hard credit checks involved, no paperwork. Most clients find it easy to qualify for an unsecured installment loan. The application process for amounts up to $5,000 takes a couple of minutes only. This type of debt is easily closed in a few months due to convenient fixed monthly installments. Applying online via our website is safe. If you’d rather visit our in-store location, you can schedule an appointment to save time and avoid crowds.

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.

Find a Cash Loans Near Me

Our store offers fast cash options. We are conveniently located in Missouri, and we also have stores in other locations, including California, Florida, Illinois, New-Jersey, Ohio, Tennessee, Texas, Wisconsin, Wyoming.


Why should I apply for a payday loan through your website?

First, we only work with trustworthy direct lenders. With one application form only, you will reach dozens of licensed loan providers. Secondly, you will only get in contact with the lender who approves your request, thus saving time on communication. On top of that, we protect your personal data at no additional cost.

How can I find licensed lenders in Missouri?

The fastest route is via our website. We already did the research and a thorough verification process. All the direct lenders that you get access to when applying through our website are reliable and licensed to operate in Missouri.

How can I find an easy loan near me, Cape Girardeau, MO?

Apply with 1F Cash Advance, and the loan will find you. With only one application, you will reach dozens of local lenders. Payday loans are also popular in the following areas in Missouri: St. Louis County, Jackson, St. Charles, St. Louis City, Greene, Clay, Jefferson, Boone, Jasper, Franklin, Cass, Platte, Buchanan, Christian, Cole, Kansas City.

How fast will the lender transfer my money?

The lender will transfer your funds as soon as possible, right after you have signed the contract. If you are lucky, you could have the money deposited on the same day. Most customers benefiting from online cash advances in Missouri receive their money the next business day.

Can I apply for Missouri small payday loans if I live in a different state?

You should apply in your state of residence. The easiest option is to submit an online application, which will reach the direct lenders licensed to lend to you.

What is the fastest way to find the best loan offers in Missouri?

Applying online will bring you the fastest results for payday loans. Online services have access to entire networks of lenders, and you are more likely to receive approval from one of the lenders.

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.

In what other states does your company offer payday lending options?

If you're not a resident of Missouri, you may be interested in visiting our payday loan locations in Idaho, Iowa, Kansas, Nebraska, Oklahoma, Arkansas, Tennessee, Kentucky, or Illinois.

Latoria Williams

Written by: Latoria Williams

Updated: Apr 20, 2024