Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Payday loans in Jefferson City, Missouri
Missouri payday loan rules that apply in Jefferson City
- Max loan amount
- $500
- Min loan term
- 14 days
- Max loan term
- 31 days
- Finance charge cap
- 75% of initial loan amount
- Max absolute fee
- N/A
- Typical APR
- ~462%
- Rollovers (extensions)
- Up to 6
- Simultaneous loans
- N/A
- Right to rescind
- Next business day
- Governing law
- Missouri Small Loan Act
- Regulator
- MO Div. of Finance
Jefferson City at a glance
| Metric | Jefferson City | Missouri | United States |
|---|---|---|---|
| Population | 70,167 | 6.2M | 332.3M |
| Median household income | $73,102 | $73,651 | $85,275 |
| Median rent | $803/mo | $1,029/mo | $1,432/mo |
| Income spent on rent | 22.8% | 28.1% | 31.6% |
| Homeownership | 65.3% | 68.7% | 65.4% |
| Poverty rate | 9.7% | 12.7% | 12.6% |
| Unemployment rate | 3.2% | 4.2% | 5.3% |
| Without health insurance | 6.8% | 9.2% | 8.6% |
| Veterans | 7.6% | 7.5% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
Payday loan cost calculator for Jefferson City
Move the sliders to see what a payday loan would cost under Missouri rules and how it compares with local incomes.
Missouri maximum: $500
Missouri sets no fixed fee; $15 is typical
- Fee
- $75
- Total to repay
- $575
- APR
- 391%
- Total fees with rollovers
- $75
- Share of a two-week household paycheck in Jefferson City
- 2.7%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
What a payday loan costs in Jefferson City
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 2.7%
- Hours of work at the local median wage
- 3.8 hours
- Total fees if rolled over 6×
- $525
Missouri sets no fixed fee in dollars, so this example uses a typical fee of $15 per $100 on a $500 loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
Jefferson City in context
- Population rank in Missouri
- 14th
- of 17 Missouri cities with 50,000+ residents
- Median household income rank
- 12th
- of 17 Missouri cities with 50,000+ residents
- Households earning under $25,000
- 15.0%
- ▼ 1.2 pts vs MO
- Median home value
- $216,343
- ▼ 2% vs MO
- Home value to income
- 3.0×
- A $400 emergency expense
- 2.0 days
- of median household income
Payday loan stores in Jefferson City, MO
Licensed storefront lenders in Jefferson City with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the MO Div. of Finance before you borrow.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 1402 Missouri Blvd. Jefferson City, MO 65109 | (573) 556-7910 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 1:00 PM Sun closed |
— |
| 1922 Missouri Blvd Ste C Jefferson City, MO 65109 | (573) 636-6572 | — | 4.9 |
| 2219G Missouri Blvd Jefferson City, MO 65109 | (573) 636-8486 | — | 4.9 |
| 2208 Missouri Blvd Ste 103 Jefferson City, MO 65109 | (573) 491-1001 | — | 4.4 |
| 2215 Missouri Blvd Ste d Jefferson City, MO 65109 | (573) 634-8854 | — | 4.9 |
| 3702 W Truman Blvd Ste 211 Jefferson City, MO 65109 | (573) 636-8156 | — | 3.3 |
| 520 Ellis Blvd Ste M Jefferson City, MO 65101 | (573) 634-8384 | — | 5.0 |
| 1418 Missouri Blvd Ste C Jefferson City, MO 65101 | (573) 636-8708 | — | 4.9 |
| 1001 Missouri Blvd Jefferson City, MO 65109 | (573) 635-3369 | — | 4.9 |
Fast & secure payday loans in Jefferson City, Missouri
Unexpected expenses can happen anytime. If you need urgent cash in Jefferson City, our service connects you with trusted, state-licensed lenders.
Apply online from the comfort of your home, get a fast decision and, if approved, receive funds in your bank account as soon as the next business day.
Why Jefferson City residents use us
- Fast 5-minute request A simple online application, with no waiting in line at a storefront.
- Bad credit considered Lenders focus on your steady income, not just your credit history.
- Borrow up to $500 Loan terms must comply with the Missouri Small Loan Act.
- Safe & confidential Your personal and financial details are sent over an encrypted connection.
Notice for Jefferson City residents: Payday loans are designed for short-term emergency needs and should not be used as a long-term debt solution. Interest rates, fees and maximum loan amounts are governed by Missouri law (Missouri Small Loan Act). Always review the contract terms carefully before signing.
Jefferson City payday loan FAQ
How much cash can I borrow in Jefferson City?
Loan amounts in Jefferson City are typically from $100 up to $500, in line with Missouri lending law. Your exact approved amount depends on your verifiable income, existing debt and the lender’s evaluation.
Do I need to visit a storefront in Jefferson City to apply?
No. The whole process is handled securely online, so you don’t need to wait in line at a local check-cashing store or branch. If approved, your funds are deposited directly into your bank account by ACH transfer.
Can I qualify for a payday loan in Jefferson City with poor credit?
Possibly. A traditional FICO score is not the only factor. Lenders in our network mainly look at whether you have a steady, recurring income and an active checking account to handle repayment. Approval is not guaranteed.
How quickly will I receive my funds in Jefferson City?
Many applicants get a decision within minutes. Once you review and e-sign your agreement, lenders typically release the cash the same day or the next business day, depending on your bank’s transfer cutoff times.
What are the minimum requirements for Jefferson City residents?
To qualify, you must:
- Be at least 18 years old.
- Live in Jefferson City or the surrounding Missouri area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).