Quick answer
Missouri is served by the Missouri Division of Finance (Department of Commerce and Insurance). Most loan types are available, each with its own limits and licensing requirements. Call (800) 236-7761 or use the form to see which lenders are active in Missouri today.
Missouri loan rules at a glance
- Payday max amount
- $500 or less (no more than $500 outstanding with the same lender or affiliate)
- Payday term
- 14 to 31 days for the original loan and each renewal
- Payday cost cap
- No APR cap; total interest and fees across the initial loan and all renewals may not exceed 75% of the initial loan amou
- Payday licensing
- Small loan / payday lender license from the Missouri Division of Finance under RSMo 408.500-408.506
- Title loan term
- Agreed period of not less than 30 days
- Title loan rate
- Title loan charges are governed by RSMo 367.500-367.533 (the exact rate cap was not quoted in this review)
- Governing statutes
- Chapter 400, RSMo 367.500-367.533, RSMo 367.512, RSMo 408.500-408.506
Regulator: Missouri Division of Finance (Department of Commerce and Insurance) · Phone: 573-751-3242 · Statutes: Chapter 400, RSMo 367.500-367.533, RSMo 367.512, RSMo 408.500-408.506 · Last verified: 2026-10-08
Loan products in Missouri
The table below summarises each product's legal status and key limits under Missouri law. Click a product to see the detailed guide.
| Loan type | Status | Key limits |
|---|---|---|
| Payday loans | Legal | $500 or less (no more than $500 outstanding with the same lender or affiliate) |
| Cash advance | Legal | |
| Title loans | Legal | Title loan charges are governed by RSMo 367.500-367.533 (the exact rate cap was not quoted in this r |
| Installment loans | Legal | |
| Bad credit loans | Legal | |
| Debt consolidation | Legal | |
| Refinance | Unclear | Check with the state regulator |
Get matched with a licensed lender today
Share your needs once. Licensed lenders in Missouri who fit your profile will reach out with real terms.
Cities in Missouri
Select a city to see local lender availability and area-specific alternatives.