Need Cash Quick?
We Got It
At Pachyy, we work with lenders across America to bring you the most affordable payday loans. With our 5 minute free application you can apply for payday loans in Missouri.
We use 256-bit encryption to ensure that your personal data is safe
5 minute application and same day loans*
Since 2019, we have served over 500,000 happy customers
By submitting your information, you certify that you are at least 18 years old and agree to the terms of our Terms of Use, E-Consent, Credit Authorization, that you have carefully read our Disclosures and you acknowledge that you have received or read our Privacy Policy.
Submit a simple application with some basic personal information
After you have submitted your application, you will be instantly notified of lenders with payday loans that suit you best
If you do select a loan and are approved by the lender, cash will be wired to your checking account
A payday loan is normally used to help you pay for unexpected expenses before your next pay check. If an unexpected expense or an emergency occurs and you have a lack of cash, a payday loan can help you pay for this expense without having to wait for you next pay check. In Missouri, payday loans are also known as cash advance loans or payday advance loans. You receive a lump sum cash amount and typically repay the loan and interest when you receive you next pay check.
Even if you have bad credit, you can still apply for a payday loan if you meet the above criteria. Simply enter your details into our application to find the best Payday Loans options for you today!
$100 –
$50,000
5
Minutes
$0
Fees
Same
Day
Apply
24/7
0
Effect
Enter the following details of your loan in order to see information about your repayment plan
Based on the information that you have entered, your repayment plan has the following characteristics
Fees Paid
Interest Paid
Principal Repaid
To borrow money from payday loan lenders in the state of Missouri, applicants require proof of income, an active bank account, a valid form of identification and contact details. Even if you have bad credit, you can still apply for a payday loans if you provide us with the above details. Simply enter your details into our application to find the best payday loans for you today!
We understand that occasionally you may be hit with an unexpected expense and do not have enough cash to cover it. If you are unable to wait until your next payday and you need cash now, a payday loan can help you.
A payday loan allows you to get the cash you need when you need it and take control of your finances without needing to wait for you next pay check. Payday Loans are perfect for allowing you to stay on top of unexpected bills, such as medical bills, car accident bills, funeral bills and many other types of unexpected bills. With Pachyy, applying for a payday loan is simple and can be done in under 5 minutes online. You will normally receive your payday loan within 24 hours of applying with Pachyy. Applying for a online payday loan with Pachyy is easier than applying through a traditional bank or in person. Traditional banks can take weeks to process your application before you get paid! With Pachyy, you can get cash within 1-24 hours. We will also help find the best lender for you from our select partners, ensuring that you get the best rates.
No Problem! Start a free application below and we will find loans that suits you best!
If you do not think that a payday loan is right for you, we offer other types of loans!
We help provide payday loans across multiple US states. If you are looking for “payday loans near me” and you are in Kansas City, St. Louis, Springfield, Independence, Columbia, Lee’s Summit, O’Fallon, St. Joseph, St. Charles, St. Peters or anywhere in Missouri, you can apply for a payday loan with our online application.
| Area | Details |
| Maximum Loan Amount | Loans of $500 or less are subject to these restrictions. |
| Loan Term | 14-31 days |
| Maximum Finance Rate and Fees | 75% of the original loan amount |
| Finance Charge for 14-day $100 Loan | $75 |
| APR for 14-day $100 Loan | 1955% |
| Maximum Number of Outstanding Loans at One Time | A payday loan in accordance with 408.500 shall be considered finalized and cannot be extended once the lender submits the payment request and the borrower redeems it by paying the entire amount. After the loan is completed, the borrower is eligible to apply for a new loan with the lender. According to § 408.505(4) R.S.Mo., “A lender, individual, or entity associated with the lender cannot have more than five hundred dollars in loans outstanding to the same borrower simultaneously.” This regulation is outlined in Mo. Ann. Stat. § 408.505 (West). |
| Rollovers Permitted | It is not allowed to utilize the funds from one loan to settle an existing loan, as per § 408.505(5) of the R.S.Mo. However, it is permissible to renew a loan up to six times under R.S.Mo § 408.500. |
| Collection Fees | NSF fee charges are still applicable, as stated in § 408.505(6) of the Revised Statutes of Missouri, even though the laws mentioning the total amount have been repealed. |
| Criminal Action | A person is not guilty of passing a bad check under section 570.120 if, at the time the payee accepts the check as payment, both parties understand that the check will not be cashed immediately and the payee is aware or has reason to believe that there are not enough funds in the account. However, this exception does not apply if the consumer closed their account before the agreed-upon date of transaction or if they stopped payment on the check. (§ 408.505(8)) |