Missouri (MO) lender directory
Payday & Title Loans in Missouri
Looking for a lender near you in Missouri? Pick your city below. We list 704 stores in 141 Missouri cities, built from state license records and lenders' own store pages. Data last checked October 8, 2026.
Lenders by city
Top cities
- Lenders in St. Louis 47
- Lenders in Springfield 41
- Lenders in Kansas City 34
- Lenders in Joplin 22
- Lenders in Cape Girardeau 21
- Lenders in Columbia 20
- Lenders in Independence 18
- Lenders in St. Joseph 17
- Lenders in Poplar Bluff 16
- Lenders in Rolla 15
- Lenders in Sedalia 15
- Lenders in Florissant 14
All 141 cities A–Z
A
- Alexandria 1
- Appleton City 1
- Arcadia 1
- Arnold 12
- Aurora 1
- Ava 1
B
- Ballwin 3
- Belton 3
- Berkeley 1
- Beverly Hills 1
- Blue Springs 7
- Bolivar 4
- Boonville 4
- Branson West 1
- Bridgeton 3
- Buffalo 1
- Butler 1
C
- California 1
- Camdenton 4
- Cameron 2
- Cape Girardeau 21
- Cardwell 1
- Carthage 3
- Caruthersville 3
- Cassville 1
- Chesterfield 3
- Chillicothe 4
- Clinton 4
- Columbia 20
- Creve Coeur 1
- Crystal City 3
- Cuba 2
D
E
F
- Farmington 13
- Fenton 3
- Festus 6
- Florissant 14
- Forsyth 1
- Fulton 3
G
- Gladstone 8
- Grain Valley 1
- Grandview 5
H
- Hannibal 8
- Harrisonville 4
- Hazelwood 1
- Higginsville 2
- High Ridge 2
- Hollister 3
- Houston 2
I
- Imperial 1
- Independence 18
J
- Jane 2
- Jefferson City 13
- Jennings 1
- Joplin 22
K
- Kansas City 34
- Kennett 9
- Kirksville 8
L
- Lake St. Louis 2
- Lamar 2
- Lebanon 12
- Lee's Summit 8
- Lemay 1
- Liberty 6
- Licking 2
- Lincoln 1
- Louisiana 2
M
- Macon 3
- Malden 1
- Marshall 7
- Marshfield 2
- Maryville 1
- Mexico 5
- Moberly 7
- Moline Acres 1
- Monett 8
- Montgomery City 1
- Mount Vernon 1
- Mountain Grove 2
N
- Neosho 10
- Nevada 7
- Nixa 3
- North Kansas City 2
- Northwoods 1
O
P
- Pacific 2
- Park Hills 3
- Parkville 1
- Perryville 4
- Pilot Knob 1
- Pineville 1
- Poplar Bluff 16
- Potosi 2
R
S
- Salem 1
- Sedalia 15
- Seligman 2
- Shrewsbury 1
- Sikeston 9
- Springfield 41
- St. Ann 4
- St. Charles 13
- St. Clair 1
- St. John 2
- St. Joseph 17
- St. Louis 47
- St. Peters 8
- Stockton 1
- Sugar Creek 1
- Sullivan 3
- Sunset Hills 1
T
U
- Union 4
- University City 2
V
W
- Warrensburg 6
- Warrenton 3
- Warsaw 2
- Washington 4
- Waynesville 1
- Webb City 2
- Wentzville 3
- West Plains 12
- Windsor 1
Lending rules in Missouri
Payday loans (deferred presentment)
- A payday loan (unsecured loan of $500 or less) needs a license from the Division of Finance, and the loan is capped at $500. Source: Mo. Rev. Stat. § 408.500.1 · verified Oct 8, 2026
- A payday loan must run for at least 14 days, including renewals. Source: Mo. Rev. Stat. § 408.505.2 · verified Oct 8, 2026
- A payday loan can run for at most 31 days, including renewals. Source: Mo. Rev. Stat. § 408.505.2 · verified Oct 8, 2026
- A payday loan can be renewed at most six times. Source: Mo. Rev. Stat. § 408.500.6 · verified Oct 8, 2026
- At each renewal the borrower must pay down at least 5 percent of the original loan amount. Source: Mo. Rev. Stat. § 408.500.6 · verified Oct 8, 2026
- Interest and fees on a single payday loan, with all renewals, cannot add up to more than 75 percent of the initial loan amount. Source: Mo. Rev. Stat. § 408.505.3 · verified Oct 8, 2026
- A lender and its affiliates cannot have more than $500 in payday loans outstanding to the same borrower at one time. Source: Mo. Rev. Stat. § 408.505.5 · verified Oct 8, 2026
- A payday loan cannot be repaid with the proceeds of another payday loan from the same lender or an affiliate. Source: Mo. Rev. Stat. § 408.505.5 · verified Oct 8, 2026
- The borrower can cancel a payday loan at no cost by returning the full principal by the close of the lender's next full business day. Source: Mo. Rev. Stat. § 408.500.5 · verified Oct 8, 2026
Title loans
- A title loan agreement must allow redemption for any agreed period of not less than 30 days. Source: Mo. Rev. Stat. § 367.512.1(3) · verified Oct 8, 2026
- From the third renewal of a title loan on, the borrower must reduce the principal by 10 percent each time. Source: Mo. Rev. Stat. § 367.512.1(4) · verified Oct 8, 2026
- Acting as a title lender without a title loan license brings civil and criminal penalties, and the loan agreements are void. Source: Mo. Rev. Stat. § 367.506.1-2 · verified Oct 8, 2026
Installment and consumer finance loans
- A consumer installment loan must be payable in at least four substantially equal installments over at least 120 days. Source: Mo. Rev. Stat. § 408.510 · verified Oct 8, 2026
- A consumer installment loan must have at least four installments. Source: Mo. Rev. Stat. § 408.510 · verified Oct 8, 2026
- A consumer installment lender must be licensed in the same way as a consumer credit lender. Source: Mo. Rev. Stat. § 408.510 · verified Oct 8, 2026
- On a loan of 30 days or longer, a lender may charge a fee of at most 10 percent of the principal, up to $100. Source: Mo. Rev. Stat. § 408.140(1) · verified Oct 8, 2026
Lenders in Missouri are licensed by the Missouri Department of Commerce and Insurance, Division of Finance. You can look up any license in its license search. See also online lenders and apps in Missouri.
Missouri lending statistics
Official figures, grouped by the report they come from. Older reports are the latest published for that measure.
Missouri Division of Finance payday lender survey, report to the General Assembly (Feb. 10, 2025; Oct. 2023 to Sep. 2024; OCR of a scanned PDF) (2023-10/2024-09)
| Loan | Measure | Value |
|---|---|---|
| Payday (deferred presentment) | Average interest rate (APR) | 406.26% |
| Payday (deferred presentment) | Average loan | $300.94 |
| Payday (deferred presentment) | Loans made (at least) | 77,000 |
| Payday (deferred presentment) | Lenders that answered the survey | 72.9% |
Source: Missouri Division of Finance payday lender survey, report to the General Assembly (Feb. 10, 2025; Oct. 2023 to Sep. 2024; OCR of a scanned PDF) · verified Oct 8, 2026
Missouri Division of Finance payday lender survey, report to the General Assembly (Feb. 10, 2025; Oct. 2023 to Sep. 2024; OCR of a scanned PDF) (2024)
| Loan | Measure | Value |
|---|---|---|
| Payday (deferred presentment) | Licensees examined | 146 |
Source: Missouri Division of Finance payday lender survey, report to the General Assembly (Feb. 10, 2025; Oct. 2023 to Sep. 2024; OCR of a scanned PDF) · verified Oct 8, 2026
Missouri Division of Finance payday lender survey, report to the General Assembly (Feb. 10, 2025; Oct. 2023 to Sep. 2024; OCR of a scanned PDF) (2024-12-31)
| Loan | Measure | Value |
|---|---|---|
| Payday (deferred presentment) | Licenses at year end | 203 |
Source: Missouri Division of Finance payday lender survey, report to the General Assembly (Feb. 10, 2025; Oct. 2023 to Sep. 2024; OCR of a scanned PDF) · verified Oct 8, 2026
Questions people ask
Are payday loans legal in Missouri?
Yes. Payday lenders operate in Missouri under state rules. For example: A payday loan (unsecured loan of $500 or less) needs a license from the Division of Finance, and the loan is capped at $500 (Mo. Rev. Stat. § 408.500.1).
How many installment lenders are in Missouri?
We list 537 installment lenders, 131 payday loan stores and 58 title loan stores in Missouri, in 141 cities.
Which Missouri cities have the most lenders?
St. Louis (47), Springfield (41), Kansas City (34), Joplin (22) and Cape Girardeau (21).
How do I check a lender's license in Missouri?
Lenders in Missouri are licensed by the Missouri Department of Commerce and Insurance, Division of Finance. You can look up a license in its online license search, or use NMLS Consumer Access for lenders licensed through NMLS.
Answers are generated from the listings and verified rules on this page; see Sources below.
Sources
Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.
- Missouri Division of Finance licensee search (CSV export) · 693 locations Last verified Oct 15, 2026
- World Finance locations (MO) · 62 locations Last verified Oct 15, 2026
- TitleMax store locator (MO) · 58 locations Last verified Oct 15, 2026
- OpenStreetMap (Overpass API), MO · 50 locations Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
- OneMain Financial branches (MO) · 23 locations Last verified Oct 15, 2026
- Check 'n Go locations (MO) · 22 locations Last verified Oct 15, 2026
- Republic Finance locations (MO) · 7 locations Last verified Oct 15, 2026
- Mo. Rev. Stat. § 408.500.1, Mo. Rev. Stat. § 408.500.6, Mo. Rev. Stat. § 408.500.5 · Payday loans (deferred presentment) Last verified Oct 8, 2026 · high confidence
- Mo. Rev. Stat. § 408.505.2, Mo. Rev. Stat. § 408.505.3, Mo. Rev. Stat. § 408.505.5 · Payday loans (deferred presentment) Last verified Oct 8, 2026 · high confidence
- Mo. Rev. Stat. § 367.512.1(3), Mo. Rev. Stat. § 367.512.1(4) · Title loans Last verified Oct 8, 2026 · high confidence
- Mo. Rev. Stat. § 367.506.1-2 · Title loans Last verified Oct 8, 2026 · high confidence
- Mo. Rev. Stat. § 408.510 · Installment and consumer finance loans Last verified Oct 8, 2026 · high confidence
- Mo. Rev. Stat. § 408.140(1) · Installment and consumer finance loans Last verified Oct 8, 2026 · high confidence
We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.
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