Missouri (MO) lender directory
Installment Loans in Missouri
Looking for an installment loan near you in Missouri? Pick your city below. We list 537 stores in 113 Missouri cities, built from state license records and lenders' own store pages. Data last checked October 8, 2026.
Read our guide: Installment Loans vs. Payday Loans: Costs, Terms and Which Is Safer
Installment loans by city
Top cities
- Installment loans in Springfield 32
- Installment loans in St. Louis 31
- Installment loans in Kansas City 24
- Installment loans in Cape Girardeau 19
- Installment loans in Joplin 19
- Installment loans in Columbia 18
- Installment loans in Sedalia 14
- Installment loans in Independence 13
- Installment loans in Poplar Bluff 13
- Installment loans in Rolla 13
- Installment loans in Jefferson City 12
- Installment loans in Lebanon 12
All 113 cities A–Z
A
- Appleton City 1
- Arnold 7
- Aurora 1
B
- Ballwin 2
- Belton 2
- Beverly Hills 1
- Blue Springs 4
- Bolivar 4
- Boonville 4
- Bridgeton 1
- Buffalo 1
C
- Camdenton 3
- Cameron 2
- Cape Girardeau 19
- Carthage 3
- Caruthersville 2
- Chesterfield 3
- Chillicothe 4
- Clinton 4
- Columbia 18
- Creve Coeur 1
- Crystal City 2
- Cuba 1
D
E
F
- Farmington 11
- Fenton 1
- Festus 5
- Florissant 9
- Fulton 3
G
- Gladstone 6
- Grain Valley 1
- Grandview 3
H
- Hannibal 8
- Harrisonville 4
- Hazelwood 1
- Higginsville 1
- High Ridge 1
- Hollister 1
- Houston 1
I
- Imperial 1
- Independence 13
J
- Jane 1
- Jefferson City 12
- Joplin 19
K
- Kansas City 24
- Kennett 8
- Kirksville 7
L
- Lake St. Louis 1
- Lamar 2
- Lebanon 12
- Lee's Summit 6
- Lemay 1
- Liberty 5
- Louisiana 1
M
- Macon 3
- Marshall 7
- Marshfield 2
- Maryville 1
- Mexico 5
- Moberly 6
- Moline Acres 1
- Monett 8
- Montgomery City 1
- Mount Vernon 1
- Mountain Grove 2
N
- Neosho 7
- Nevada 7
- Nixa 3
- North Kansas City 2
O
- O'Fallon 3
- Oak Grove 2
- Osage Beach 2
- Overland 4
P
- Pacific 1
- Park Hills 3
- Parkville 1
- Perryville 4
- Pilot Knob 1
- Poplar Bluff 13
- Potosi 2
R
S
- Sedalia 14
- Seligman 1
- Sikeston 5
- Springfield 32
- St. Ann 4
- St. Charles 9
- St. Clair 1
- St. John 1
- St. Joseph 12
- St. Louis 31
- St. Peters 8
- Sullivan 2
T
U
- Union 3
- University City 2
V
W
- Warrensburg 5
- Warrenton 3
- Warsaw 2
- Washington 3
- Waynesville 1
- Webb City 1
- Wentzville 3
- West Plains 11
Installment loans in Missouri: the rules
- 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 in Missouri, in 113 cities.
Which Missouri cities have the most installment lenders?
Springfield (32), St. Louis (31), Kansas City (24), Cape Girardeau (19) and Joplin (19).
How much can lenders charge in Missouri?
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 (Mo. Rev. Stat. § 408.140(1)). More limits are listed under the state rules on this page.
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) · 532 locations Last verified Oct 15, 2026
- World Finance locations (MO) · 62 locations Last verified Oct 15, 2026
- OpenStreetMap (Overpass API), MO · 29 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.
CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.