Online Payday Loans in Missouri with 0% APR

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Struggling to make it to your next payday? Before taking out a payday loan or cash advance in Missouri, you should learn more about how they work and explore other viable options. 

Online payday loans can get you fast cash in as little as one business day, but you may benefit from other products that are more suitable for your finances. 

Keep reading to gain more insight so you can make an informed decision. 

Options For Payday Loans in Missouri

You can apply for a payday loan in Missouri online or at a physical location. Both options are streamlined, and you can receive the funds in as little as 1 business day (if you apply online) or the same day (if you apply at a physical location). 

Payday lending is regulated by the Missouri Division of Finance.


To qualify for a loan, you should be at least 18 years old with a verifiable source of income. You will also need an active bank account the lender can use to disburse the funds and withdraw the payment when it comes due. 

A paystub will suffice for individuals who are employed. If you’re self-employed, prepare to provide a bank statement showing recent deposits. Not currently working? The lender may request the most recent Explanation of Benefits and bank statements that reflect deposits. If you want to use Social Security or SSI Disability income, you will need a copy of your Award Letter and current bank statement that shows deposits. 

Keep in mind that each lender operates differently. So, you may be subject to more or less stringent criteria when applying for a loan. 

The lender will also request a copy of your driver’s license or state-issued identification, a working phone number and your email address. 

Credit Affects

When you apply for a payday loan in Missouri, the lender will not check your credit score. So, you can easily qualify even if your credit is subpar. Also, know that account activity isn’t reported to the credit bureaus unless you default on the loan and it’s sold to a collection agency. More on that shortly. 


You’re allowed to have one payday loan at a time, and there’s no cooling-off period. This means you can pay off your loan and immediately apply for another without waiting for several days or weeks.

Max Loan Amount

Under Missouri state law, payday loans are limited to $500, and the term must span between 14 and 31 days. The maximum finance charges cannot exceed 75 percent of the original loan amount. 


Can’t afford to repay your loan in full when it comes due? You will be subject to an insufficient funds fee from your financial institution and the lender. That’s unless you reach out to the lender beforehand to delay (or rollover) the collection of the amount owed. 

The state permits up to 6 rollovers, but with a catch; you must pay down 5 percent of the principal each time to qualify. Not all lenders allow rollovers, though, so it’s essential to inquire with the lender to learn more. 

Still need more time to pay off the loan? You will have to work directly with the collection department or debt collector to reach a resolution. Otherwise, the delinquent account will be reported to the credit bureaus and could tank your credit score. 

Payday Loan Alternatives in Missouri

Payday loans aren’t the only way to get the cash you need in Missouri. You can take an advance from your credit card, but it may cost you much more than you bargained for over time. 

Or you can borrow from a relative or friend if they’re willing to help you out. Just be sure to get the arrangement in writing to avoid any confusion. 

Below are other viable loan products to consider. 


Want a zero-interest cash advance of up to $250? Sign up for a MoneyLion membership to take advantage of the Instacash feature. These advances are designed to hold you over until payday, and there are no hidden costs. 

Worried that you won’t qualify because of your credit rating? Don’t be, as there’s no credit check.

You can see how much you qualify for once you’ve created your profile and linked your checking account. Cash advances can be requested 24/7, and the funds will be deposited into your account in seconds. 

Sign up for Instacash

Credit Builder Loans

Another viable option to get fast cash is the Credit Builder Loan from MoneyLion. It’s available through the Credit Builder Plus membership, which also includes access to checking, managed investing, and Instacash cash advances.

You may qualify for an installment loan of up to $1,000, even if you have no or low credit. Upon approval, a portion of the proceeds may be placed into a Credit Reserve Account for you. You’ll get that money too, after your loan is paid in full. Payments are automatically deducted from your bank account. 

During the loan term, payment activity is reported to the 3 credit bureaus – Experian, Equifax and TransUnion. This helps your credit score improve in a short span, assuming you handle all your other debts responsibly. 

The monthly fee is only $19.99. 

Find A Online Loan In Missouri

InstacashCredit Builder Loan
How Much Can You Borrow (max)?$250$1000
Fees & Interest0% APR, 0 feesLow APR, 0 fees
Credit CheckNoNo
AvailabilityOnline & MobileOnline & Mobile
Wait TimeInstantlyInstantly
Next StepsSign UpSign Up

Get the Fast Cash You Need Today!

Instead of settling for an expensive payday loan, why not consider options that benefit your finances? Instacash lets you borrow the funds you need for free, and the credit builder loan allows you to access funds for less while restoring your credit health.

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Enjoy Instacash advances up to $250. No credit check, no monthly fee, no interest. Just cash.

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