Payday loans in Springfield, Missouri |

Compare your loan options in Springfield, Missouri

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

If you’re a resident in Springfield and need some extra money, consider taking out a payday loan.

In Springfield, residents may find themselves needing extra funds from time to time. If you’re in this situation and are considering a short term loan, go through this guide first to find out about payday lending in this city.

LendYou Short-term Loans

For fast cash: LendYou

Find a lender that offers cash advances between $100 and $15,000.

  • Min. Loan Amount: $100
  • Max. Loan Amount: $15,000
  • Turnaround Time: 1 business day
  • Must have regular income of $1,000/month and be a US citizen or permanent resident
  • No collateral needed
  • Bad credit is OK

    What Missouri laws impact Springfield?

    Payday loans are legal throughout Missouri. All payday lenders in Springfield have to adhere to Missouri Revised Statutes 408.500 to 408.506. These laws also apply to out-of-state lenders that provide online loans to residents of Springfield.

    You’re able to borrow $500 for terms lasting between 14 to 31 days. Lenders are allowed to charge up to 75% of the full loan amount in the form of fees and interest. This means that every for every $100 you borrow, you may be able have to pay $75 in fees.

    You can learn about Missouri’s laws on our page

    Compare these lenders for a payday loan in Springfield

    Rates last updated October 19th, 2018
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    CashUSA Installment Loans
    A connection service for quick cash loans up to $10,000.
    As early as 1 business day
    Must have a monthly income of $1,000+ after taxes and valid checking account.
    OppLoans Installment Loans
    Installment loans with competitive rates from a top-rated direct lender.
    1 business day
    Must have direct deposit and meet minimum income requirements.
    LendYou Short-term Loans
    Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
    1 business day
    You must be a US citizen or permanent resident, age 18+ and have a regular income.
    Check into Cash Payday Loan
    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.
    1–2 business days
    You must be at least 21 and an American citizen and have a bank account, email address and phone number.
    CashNetUSA Loan
    Apply for a short-term loan with an easy online application and dedicated customer service.
    Varies by state
    1 business day
    You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
    Jora Installment Loans
    Installment loans with repayment terms up to 30 months, depending on your state.
    1–2 days
    Must have an active checking account, regular source of income and email address.
    ACE Cash Express Payday Loans
    Quick payday, installment and title loans with no prepayment penalty and a 72-hour satisfaction guarantee. Funds can be loaded on an ACE Elite™ Visa® Prepaid Debit Card.
    Varies by state
    Generally receive the money the next business day
    Must be 18+ years old, have a steady source of income and a checking or savings account. Must not be a debtor in bankruptcy.

    Compare up to 4 providers

    Why a payday loan in Springfield might work for you

    • Bad credit is OK. Unlike banks and credit unions, payday lenders don’t base their decision solely on your credit history. They instead base their decision on your current financial situation and employment.
    • Plenty of options. A number of payday lenders have stores in Springfield. In addition, there are multiple lenders that limit their business to the internet, so don’t hesitate compare your rates when looking for a lender.
    • It’s easy to apply. Whether you apply online or in-store, the application process should take no more than a few minutes. You can learn if you’ve been approved within an hour in most cases, and for online applications, you might know in just minutes.

    Cliff needs to get a new fridge

    man applies weekend loanCliff was nearing the end of the month when the fridge in his house broke. He’d already paid his mortgage for the month as well as most of his other expenses, but he couldn’t last another three weeks until his next paycheck with what was left over. He couldn’t use his credit card to pay for the new fridge because it was just about maxed out. Getting a personal loan wasn’t an option because of his bad credit.

    Cliff decided to apply for a $500 payday loan, which would need to be repayed in 21 days on his next payday.

    Cliff set up checking account withdrawals so the lender could debit the payment due on the due date. Along with the principal, Cliff needed to repay $85 in fees. The payment went through as planned, which meant Cliff didn’t owe the lender any more money.

    What you need for a payday loan in Springfield

    You won’t need much when you want to apply. Although all applications are different, you should expect to give the lender your Social Security number, information about your employment and income, your contact information and your checking account details if you apply online.

    Before you apply, remember that most lenders require you to be at least 18 years old, have a regular source of income and be a citizen or permanent resident of the US.

    Payday loan locations near you in Springfield, Missouri

    Payday loan offices in Springfield

    • Jerry’s Payday Loans. 1700 S Campbell Ave g, Springfield, MO 65807
    • Check ‘n Go. 1448 E Kearney St, Springfield, MO 65803

    How much will a payday loan cost?

    If you decide to take out a payday loan of $500 at the maximum rate of 75%, you’ll have to pay back $375–bringing the total cost of your loan to $875.

    Since lenders are required to disclose how much your loan will cost before you sign the contract, read it carefully. The fine print to learn the fees you’ll need to pay.

    Missouri has one of the highest annual percentage rates (APRs) in the country, so keep that in mind when you’re looking for a lender.

    Frequently asked questions

    Was this content helpful to you? No  Yes

    Ask an Expert

    You are about to post a question on

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.

    US Payday Loans Offers

    Important Information*
    Slam Dunk Loans

    Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

    LendUp Payday Loans

    LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

    Check into Cash Payday Loan

    With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

    OppLoans Installment Loans

    Installment loans with competitive rates from a top-rated direct lender.

    Go to site