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 Saint Louis, Missouri
Missouri payday loan rules that apply in Saint Louis
- 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
Saint Louis at a glance
| Metric | Saint Louis | Missouri | United States |
|---|---|---|---|
| Population | 891,907 | 6.2M | 332.3M |
| Median household income | $75,419 | $73,651 | $85,275 |
| Median rent | $1,116/mo | $1,029/mo | $1,432/mo |
| Income spent on rent | 28.8% | 28.1% | 31.6% |
| Homeownership | 59.2% | 68.7% | 65.4% |
| Poverty rate | 14.1% | 12.7% | 12.6% |
| Unemployment rate | 4.7% | 4.2% | 5.3% |
| Without health insurance | 7.1% | 9.2% | 8.6% |
| Veterans | 6.1% | 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 Saint Louis
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 Saint Louis
- 2.6%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
What a payday loan costs in Saint Louis
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 2.6%
- Hours of work at the local median wage
- 3.6 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.
Saint Louis in context
- Population rank in Missouri
- 1st
- of 17 Missouri cities with 50,000+ residents
- Median household income rank
- 10th
- of 17 Missouri cities with 50,000+ residents
- Households earning under $25,000
- 17.7%
- ▲ 1.5 pts vs MO
- Median home value
- $255,329
- ▲ 15% vs MO
- Home value to income
- 3.4×
- A $400 emergency expense
- 1.9 days
- of median household income
Payday loan stores in Saint Louis, MO
Licensed storefront lenders in Saint Louis 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 |
|---|---|---|---|
| 1 N Oaks Plaza Ste B St. Louis, MO 63121 | (314) 385-9087 | — | 5.0 |
| 10415 Watson Rd St. Louis, MO 63127 | (314) 686-6050 | — | 4.9 |
| 10568 Page Ave St. Louis, MO 63132 | (314) 890-2220 | — | 5.0 |
| 1311 N Grand Blvd St. Louis, MO 63106 | (314) 932-4995 | — | 5.0 |
| 2629 Gravois Ave St. Louis, MO 63118 | (314) 881-3975 | — | 5.0 |
| 3227 S Kingshighway Blvd St. Louis, MO 63139 | (314) 881-6164 | — | 4.9 |
| 7405 W Florissant Ave St. Louis, MO 63136 | (314) 446-6006 | — | 5.0 |
| 8640 Airport Rd Berkeley, MO 63134 | (314) 521-3608 | — | 4.9 |
| 9814 W Florissant Ave St. Louis, MO 63136 | (314) 388-4850 | — | 4.9 |
| 10004 Gravois Rd St. Louis, MO 63123 | (314) 638-7200 | — | 4.9 |
| 10016 W Florissant Ave St. Louis, MO 63136 | (314) 388-3175 | — | 4.9 |
| 10578 Page Ave St. Louis, MO 63132 | (314) 423-4949 | — | 4.9 |
| 3655 S Grand Blvd St. Louis, MO 63118 | (314) 773-1186 | — | 4.9 |
| 6528 Manchester Ave St. Louis, MO 63139 | (314) 644-2654 | — | 4.9 |
| 7028 W Florissant Ave St. Louis, MO 63136 | (314) 381-9100 | — | 4.9 |
| 7856 Olive Blvd University City, MO 63130 | (314) 863-7500 | — | 4.8 |
| 379 Watson Plaza St. Louis, MO 63126 | (314) 966-6020 | — | 3.1 |
| 5811 Chippewa St Ste A2 St. Louis, MO 63109 | (314) 752-4581 | — | 3.7 |
| 9120 Overland Plaza Overland, MO 63114 | (314) 890-2227 | — | 3.7 |
| 3861 Lemay Ferry Rd. Saint Louis, MO 63125 | (314) 416-7780 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 1:00 PM Sun closed |
— |
| 6902 Olive Blvd. University City, MO 63130 | (314) 862-1678 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 1:00 PM Sun closed |
— |
| 1415 N Grand Blvd St. Louis, MO 63106 | (314) 535-5496 | — | 4.9 |
| 8503 Olive Blvd Olivette, MO 63132 | (314) 733-1115 | — | 4.8 |
| 12645 Olive Blvd Ste 222 Creve Coeur, MO 63141 | (417) 986-0920 | — | 4.6 |
| Two Cityplace Dr 2nd Floor St. Louis, MO 63141 | (314) 354-7100 | — | 4.1 |
| 313 Watson Plaza St. Louis, MO 63126 | (314) 282-6789 | — | 3.7 |
| 9004 St Charles Rock Rd St. Louis, MO 63114 | (314) 427-1116 | — | 4.8 |
Fast & secure payday loans in Saint Louis, Missouri
Unexpected expenses can happen anytime. If you need urgent cash in Saint Louis, 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 Saint Louis 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 Saint Louis 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.
Saint Louis payday loan FAQ
How much cash can I borrow in Saint Louis?
Loan amounts in Saint Louis 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 Saint Louis 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 Saint Louis 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 Saint Louis?
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 Saint Louis residents?
To qualify, you must:
- Be at least 18 years old.
- Live in Saint Louis or the surrounding Missouri area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).