Missouri (MO) lender directory
Payday Loans in Missouri
Looking for a payday loan near you in Missouri? Pick your city below. We list 131 stores in 75 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
Payday loans by city
Top cities
- Payday loans in St. Louis 12
- Payday loans in Kansas City 8
- Payday loans in Springfield 6
- Payday loans in St. Joseph 5
- Payday loans in Arnold 4
- Payday loans in Sikeston 4
- Payday loans in Blue Springs 3
- Payday loans in Fenton 3
- Payday loans in Florissant 3
- Payday loans in Independence 3
- Payday loans in Neosho 3
- Payday loans in Poplar Bluff 3
All 75 cities A–Z
A
- Alexandria 1
- Arcadia 1
- Arnold 4
- Ava 1
B
- Blue Springs 3
- Branson West 1
- Bridgeton 1
- Butler 1
C
- California 1
- Camdenton 1
- Cape Girardeau 2
- Cardwell 1
- Caruthersville 1
- Cassville 1
- Columbia 2
- Cuba 1
D
E
F
- Farmington 2
- Fenton 3
- Festus 1
- Florissant 3
- Forsyth 1
G
H
- Hannibal 1
- Higginsville 1
- Hollister 2
- Houston 1
I
J
- Jane 1
- Jefferson City 1
- Jennings 1
- Joplin 2
K
L
- Lebanon 1
- Lee's Summit 1
- Licking 2
- Lincoln 1
- Louisiana 1
M
N
O
P
R
S
- Salem 1
- Sedalia 1
- Seligman 1
- Sikeston 4
- Springfield 6
- St. Charles 2
- St. John 1
- St. Joseph 5
- St. Louis 12
- St. Peters 1
- Stockton 1
- Sullivan 1
T
- Trenton 1
U
- Union 1
- University City 1
W
- Warrensburg 1
- Washington 1
- Wentzville 1
- West Plains 1
- Windsor 1
Payday loans in Missouri: the rules
- 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
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 payday loan stores are in Missouri?
We list 131 payday loan stores in Missouri, in 75 cities.
Which Missouri cities have the most payday loan stores?
St. Louis (12), Kansas City (8), Springfield (6), St. Joseph (5) and Arnold (4).
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) · 131 locations Last verified Oct 15, 2026
- Check 'n Go locations (MO) · 22 locations Last verified Oct 15, 2026
- OpenStreetMap (Overpass API), MO · 15 locations Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
- 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.