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Buchanan County, Missouri (MO)

Payday Loans in St. Joseph, MO

5 lenders in St. Joseph, MO · 1 lists hours · 1 open Saturday · 5 verified in the last 30 days

Looking for a payday loan near you in St. Joseph, Missouri? We list 5 payday loan stores in St. Joseph with addresses, phone numbers, opening hours and, where Missouri publishes it, license status. Last checked October 8, 2026.

Open now or opening soon

With hours & phone

Other licensed lenders in St. Joseph

4 without listed hours yet

St. Joseph lenders at a glance

St. Joseph, in Buchanan County (population 71,098), has 5 lender locations in our directory: 12 installment lenders, 5 payday loan stores and 1 title loan store (some stores offer more than one type), across 4 ZIP codes. The chains with the most stores here are LendNation (2), Missouri Title Loans (2) and Advance America (1). Of the 4 stores that publish hours, 2 open on Saturday and 0 on Sunday. The nearest other city with lenders is Cameron, about 31 miles away, with 2 locations.

Stores by loan type
Payday loans 5
Title loans 1
Installment loans 12
County
Buchanan County
ZIP codes with stores
64501, 64503, 64506, 64507
Hours (4 stores list them)
Open Saturday: 2
Open until 7 pm or later on weekdays: 1

Typical cost in Missouri

Rules for lenders in St. Joseph

St. Joseph has no local payday or title loan ordinance in our records, so Missouri state law applies.

  • 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

All rules: Missouri lending rules.

Questions people ask

How many installment lenders are in St. Joseph, MO?

We list 12 installment lenders, 5 payday loan stores and 1 title loan store in St. Joseph, checked against their sources as of October 8, 2026.

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).

Which lenders have the most stores in St. Joseph?

LendNation (2 stores), Missouri Title Loans (2 stores) and Advance America (1 store).

Are any lenders in St. Joseph open on weekends?

Of the 4 stores that publish hours, 2 open on Saturday and 0 on Sunday. Holiday hours can differ, so call ahead.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

The listings and rules on this page come from these sources. Each listing also links to its own record.

  1. Missouri Division of Finance licensee search (CSV export) · 5 locations Last verified Oct 15, 2026
  2. Check 'n Go locations (MO) · 1 location Last verified Oct 15, 2026
  3. OpenStreetMap (Overpass API), MO · 1 location Last verified Oct 15, 2026 © OpenStreetMap contributors, ODbL 1.0
  4. 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
  5. 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
  6. Mo. Rev. Stat. § 367.512.1(3), Mo. Rev. Stat. § 367.512.1(4) · Title loans Last verified Oct 8, 2026 · high confidence
  7. Mo. Rev. Stat. § 367.506.1-2 · Title loans Last verified Oct 8, 2026 · high confidence
  8. Mo. Rev. Stat. § 408.510 · Installment and consumer finance loans Last verified Oct 8, 2026 · high confidence
  9. 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.