✓ Legal & RegulatedReviewed: Aug 2025
MissouriLoan Laws & Regulations
Official regulatory reference for borrowers and lenders in Missouri. Includes permitted loan types, APR caps, lender licensing requirements, borrower rights, and government source links.
Max Loan
$500
Typical APR
443% APR
Max Term
31 days
Legal Status
Legal & Regulated
Missouri Lending Regulator
The Missouri Division of Finance oversees consumer lending in Missouri, including licensing, enforcement, and consumer complaint resolution. Before borrowing from any lender, verify their license using the official regulator lookup tool linked above.
Regulatory Details
Detailed regulatory data for Missouri is sourced directly from the Missouri Division of Finance. For the most current requirements, visit: https://finance.mo.gov/
Current Overview
Missouri payday loans are capped at $500. Our lenders across the Show-Me State provide rapid decisions for your immediate cash needs.
Legal Status: Legal & Regulated · APR Range: 443% APR · Max Amount: $500
Missouri Lending FAQ
Are payday loans legal in Missouri?▼
Yes. Payday loans are legal and regulated in Missouri under the oversight of the Missouri Division of Finance. Current APR range: 443% APR. Maximum loan: $500.
What is the maximum payday loan I can get in Missouri?▼
The maximum short-term loan amount in Missouri is $500. A $500 loan for 14 days in MO typically costs $85 in interest. Representative APR: 443%.
Who regulates payday lenders in Missouri?▼
The Missouri Division of Finance is the primary state regulator. You can verify any lender's license at https://finance.mo.gov/. Unlicensed lenders operating in Missouri are illegal — always verify before borrowing.
What are the alternatives to payday loans in Missouri?▼
Consider credit union PAL (Payday Alternative Loan) programs, licensed personal loan lenders, or non-profit credit counseling services in Missouri.