St. Louis Payday Loans
Getting a Payday Cash Advance in St. Louis, MO has never been easier!
Our St. Louis lenders are ready to help you pay bills. Just follow the simple application and you can have money in your account tomorrow!
- Get Approved in Minutes
- Money in your Account Tomorrow
- Easy Application Process
- Safe, Secure and Confidential
We have been working with payday loans and payday lenders in St. Louis, Missouri for many years, so we know how to help consumers like you pay bills and medical expenses on time!
Missouri Payday Loan Regulations:
Payday Loan Maximum - $500
Loan Term Length - 14-31 days
Maximum Finance Rates - Not Specified (No borrower shall be required to pay a total amount of accumulated interest and fees in excess of 75% of the initial loan amount on any single authorized loan for the entire loan term and all authorized renewals. Otherwise, interest is set pursuant to small loan law which provides that parties may set rate by contract.)
Charge for a 14-day $100 loan - $75
APR for a 14-day $100 loan - 1950%
St. Louis Payday Loans
Serving St. Louis Zip Codes:
|Community Quick Cash Advance and Payday Loans|
3729 Gravois Ave
Saint Louis, MO 63116
3823 S Kingshighway Blvd
Saint Louis, MO 63109
2631 Lafayette Ave
Saint Louis, MO 63104
|Cash Advance St Louis|
838 Lemay Ferry Rd
Saint Louis, MO 63125
8624 Natural Bridge
Saint Louis, MO 63121
400 N 4th St
Saint Louis, MO 63102
10111 W Florissant Ave
Saint Louis, MO 63136
|St Louis Loan|
3715 S Kingshighway Blvd
Saint Louis, MO 63109
|Missouri Payday Loan - Saint Louis|
10004 Gravois Rd
Saint Louis, MO 63123
|ACE Cash Express|
7803 Clayton Rd
St. Louis, MO 63117
Tips For Getting The Payday Loan That You Need
Tips for St. Louis Payday Loan Consumers
If you do not know what to do about a payday loan you should think about all of your options. Quick cash can be exactly what you need to get you to the next paycheck. Please read on for more information on how a payday loan may help you out today.
When attempting to look for a payday loan as with any purchase, it is wise to take your time to shop around. Different lending companies in St. Louis, MO have plans that vary on interest rates, and acceptable forms of collateral. Try to find a loan that works for what you need.
Never lie on your payday loan application. If you do not tell the truth, you could be charged with fraud, which will end up costing you much more if you end up going to jail.
Don't pick out a payday loan company without doing some comparison shopping. Some might offer lower interest rates than others, while others might waive fees for taking the loan out in the first place. Some payday lenders in St. Louis may offer you money immediately, while others may make you wait a few days. Weigh all of your options before deciding on which option is best for you.
A lot of payday loan institutions out there make you sign a contract and you will be in trouble down the line. They will still try and collect their money if the debtor goes into bankruptcy. If disputes arise, borrowers are also forced to sign agreements preventing lawsuits.
If you have any valuable items, you may want to consider taking them with you to a payday loan provider. Sometimes, payday loan providers will let you secure a payday loan against a valuable item, such as a piece of fine jewelry. A secured payday loan will usually have a lower interest rate, than an unsecured payday loan.
Before getting any loans, read the fine print.
Since there are usually additional terms and fees hidden there. Many people make the mistake of not doing that, and they end up owing much more than they borrowed in the first place. Always make sure that you understand fully, anything that you are signing.
Limit your payday loan borrowing to twenty-five percent of your total paycheck. Many people get loans for more money than they could ever dream of paying back in this short-term fashion. You are more likely to have enough funds to pay off this loan when your paycheck finally comes, by receiving only a quarter of the paycheck in loan.
If you have several payday loans going at once, do not consolidate the obligations. If you are unable to pay the smaller loans, it will be even more difficult to make payments on a larger one. Instead, work on paying one at a time until they are all paid off.
As your situation returns to normal and you manage the money after, look for ways to avoid another emergency and ways to get things back to normal. If you think this will work itself out you may be mistaken. You are always going to need to pay this money back.
For people who get stuck in a position where they have more than one payday loan, you need to consider alternatives to paying them off. Think about using a cash advance off your credit card. The interest rate will be lower, and the fees are significantly less than the payday loans.
Check the BBB standing of payday loan companies in St. Louis, MO. There are some others that are less than reputable, even though there are some reputable companies in St. Louis, MO out there. By researching their standing with the Better Business Bureau, you are giving yourself confidence that you are dealing with one of the honourable ones out there.
Try to find a payday loan company that offers loans to individuals with poor credit. These loans are based on your job situation, and ability to pay back the loan instead of relying on your credit. Securing this type of cash advance can also help you to re-build good credit. If you comply with the terms of the agreement, and pay it back on time.
Ensure that your payday loan company is operating within your country of origin. The affiliates might be operating in a certain state, while the lender is elsewhere. It may be that you wind up with a loan that is more expensive than you first believed.
If you plan to get a payday loan, expect to pay incredibly high interest rates. Some payday loans interest rates can exceed 300% look into other options before you take a payday loan. Make sure to do your research and read all the fine print if a payday loan is necessary.
If you want to apply for a payday loan, you should make sure you understand the consequences of defaulting on that loan. Payday loan lenders in St. Louis are notoriously infamous for their collection methods so make sure that you are able to pay the loan back by the time that it is due.
In most cases, when you apply for a payday loan you must give a post-dated bank check to the company from which you are getting the money. This check guarantees you will repay the loan and the amount of the check includes the money your borrowed, plus any fees and interest. It is important to make sure your checking account has enough money to cover the check you previously wrote. A lack of sufficient funds will not only result in trouble with your bank, but you will also have to pay additional fees to the lender.
You never know who is on the other end of the computer, so you have to be very careful when getting a payday loan. Look for information on the site that you can use to contact the lender. If they cannot be reached, you should not trust the company at all.
Getting out of a financial pinch can be quite a challenge, especially in today's economy. With any luck this article has given you some good information about payday loans. It is always important to be an well informed consumer.
St. Louis Payday Advance Lender
Receiving a Payday Loan in Missouri has never been easier! Our process is safe and secure. That's why people choose USAPaydayLoansQuickly.com for their advance loan needs! - Apply Now!