The 6 Best Payday Loan Lenders in
St. Louis, Missouri

The 6 Best Payday Loan Lenders in St. Louis, Missouri
Author : Chris Morgan
Updated on : September 12th, 2022

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Known as the Gateway to the West, St. Louis is known for the iconic Gateway Arch. It’s one of the most popular tourist attractions in Missouri. St. Louis also boasts the most free-to-the-public tourist attractions outside of Washington DC. If you want to go to a city where you can enjoy the science center, the zoo, and various museums for free, consider taking a trip to St. Louis.

While St. Louis may be the Gateway to the West, it's not exactly the gateway to a debt-free life. According to a 2022 Household Credit and Debt Report by the Federal Reserve, the average Missouri resident owes $4,950 in credit card debt. 

Holding high amounts of credit card debt can put a damper on your financial situation. While credit provides easy access to funding, the interest and fees that come with mounting credit card debt can create a financial rut that is hard to escape. Instead of using credit cards for minor emergencies, consider using a payday loan.

Here are 6 of the best payday loan lenders in St. Louis, Missouri. For your payday loan education, we have provided answers to some of the most frequently asked payday loan questions.


Are Payday Loans Legal in St. Louis, Missouri?

Payday loan lending is legal in St. Louis and throughout Missouri. In fact, Missouri has some of the most lenient payday loan regulations in the United States. The Missouri Division of Finance defines the rules and regulations for payday loans originating throughout the state including St. Louis. They include:

  • The maximum payday loan amount is $500 or less
  • Loans can be taken out for a minimum of 14 days and a maximum of 31 days
  • Payday loan interest and fees cannot exceed 75% of the original loan amount
  • State law allows up to a maximum of six rollovers for payday loans

Please note that due to the fact that payday loan regulations in Missouri are some of the most lenient in the United States, consumers are advised to only borrow as much as they can reasonably pay back as interest rates can be exorbitantly high.


The 6 Best Payday Loan Lenders in St. Louis, Missouri

The following are the 6 best payday loan lenders in St. Louis. Please note that these payday loan companies are not able to offer guaranteed payday loans. Approvals for payday loans are contingent on payday loan applicants meeting income, identity, and banking requirements.

LendYou Logo

Our number one recommended payday loan provider is LendYou. This company has provided an array of loan solutions since 2005. As an online loan broker, LendYou provides an easy-to-use platform to help individuals obtain the loans they need when they need them.  LendYou connects consumers with direct lenders for both payday and installment loans.

What makes LendYou a preferred choice for payday loan lending is that they take the guesswork out of finding reputable payday loan lenders so that consumers can choose a payday loan product that offers the best rates and services.

Here are some reasons we think LendYou is the preferred choice for payday loans:

  • Access to flexible rates and loan amounts
  • Great customer service
  • Quick payday loan approvals
  • Rate and service transparency
  • No credit is required for payday loan consideration

Check out our LendYou Complete Review to learn more about how LendYou can help you obtain a payday loan as an online loan broker.

Max Cash Title Loans Logo

Coming in second place is Max Cash. Max Cash is similar to LendYou as it is also an online loan broker providing access to loan products for consumers across the United States. This company has helped over 2 million people obtain loan funds for over a decade.

Max Cash comes highly recommended because they have an easy-to-use platform that allows loan applicants to compare payday loan lenders for the loan best rates. 

Some reasons why we recommend Max Cash include:

  • Access to multiple lenders
  • High-quality customer service
  • Financial education through informative financial articles

Check out our Max Cash Payday Loans Full Review & Guide to find out more information about how Max Cash can help you get the payday loan you need.

LendNation Logo

Lendnation -St. Louis has over 30 years in the financial service industry. Consumers can apply for payday loans online and via an in-store application. Individuals who apply for a payday loan online can expect to receive payday loan funds within one business day via direct deposit. Consumers also have the option to pick up their payday loan funds at a brick-and-mortar location. 

Please note that payday loan applicants are required to provide qualifying information which includes proof of identification, a current phone number, a valid and active checking account, and proof of income. One of the advantages of obtaining a payday loan through Lendnation is that they offer penalty-free advance repayment of payday loans.

Contact Information:

  • Address: 165 Lemay Ferry Road, St. Louis, MO 63125
  • Phone: (314) 638-5544
Check n Go Logo

For over 25 years, Check `n Go has provided a plethora of financial service products. With over 600 locations, payday loan consumers have easy access to payday loans conveniently. Check `n Go has issued more than 46 million loans and continues to be a premier provider of payday loans throughout the United States.

Check `n Go is a reputable payday loan provider because:

  • An easy payday loan application that can be completed in minutes
  • Payday loan funds are available via direct deposit as soon as the next business day
  • Check `n Go has its own P360 account allowing payday loan customers to manage their payday loans online with ease

Contact Information:

  • Address: 1415 N Grand Blvd, St. Louis, MO 63106
  • Phone: (314) 535-5496

Advance Loans

As a local payday loan provider, Advance Loans has offered payday, title, and installment loans throughout the greater St. Louis area for over 20 years. Advance Loans has three locations in St. Louis, and they are proud to help consumers get the money they need when they need it. Advance Loans is Certified Financial Services Auditor (CFSA) certified offering payday loan consumers the assurance that their loan products are handled safely and responsibly. At Advance Loans, payday loan applicants are eligible for loans up to $500. This company also has a special referral program that pays customers up to $40 for every new customer they bring Advance Loans.

Contact Information:

  • Address: 2903 Kingshighway Blvd, St. Louis, MO 63115
  • Phone: (314) 361-7000
ACE Cash Express Logo

Ace Cash Express Is a well-known, premier provider of financial services throughout the United States. With over 50 years of financial experience that includes both in-store and online payday loans, customers are assured of a high-quality payday loan experience. Ace Cash Express is one of the few companies that has an A+ rating from the Better Business Bureau.

 Some of the benefits of obtaining a payday loan through ACE Cash Express include:

  • Instant payday loan funds availability overnight via checking account or cash-in-hand at an Ace Cash Express location
  • A 72-hour window to return loan funds without incurring fees
  • A quick, easy payday loan application process and approval.

Contact Information:

  • Address: 6528 Manchester Ave, St. Louis, MO 63139
  • Phone: (314) 644-2654

Is It Easy to Get A Payday Loan in St. Louis?

According to UStatesLoans, Missouri is a payday loan-friendly state. In 2002, Missouri’s current payday legislation was passed creating lenient laws that favor payday lending institutions. This resulted in many payday loan companies choosing to operate in Missouri due to favorable payday loan lending regulations and conditions.

While consumers can easily obtain a payday loan in St. Louis if they meet basic requirements, it is important to note that payday loan-friendly regulations can impact payday loan applicants. As of July 2020, payday lenders in Missouri are not required to check a borrower's ability to repay a loan. 

While this may seem favorable for the payday applicant, in reality, this could be a detriment to payday loan borrowers if they are not careful. Payday lenders in Missouri are able to charge exorbitant fees. 

Given that Missouri is a payday loan-friendly state, those interested in obtaining payday loans in St. Louis are encouraged to borrow only what is needed to avoid the potential of falling into the payday loan debt trap. If you are interested, we recommend contacting LendYou for further information.


Can I Be Prosecuted for Not Repaying a Payday Loan in St. Louis?

Some consumers are interested in knowing what could happen if they aren't able to pay back a payday loan originating in St. Louis in a timely manner. According to DebtHammer.org, payday loan lenders can take criminal action against payday borrowers upon defaulting on a payday loan. 


Payday loan lenders in Missouri are allowed to obtain collection charges up to $25 for non-sufficient funds fees as well as a late fee that is equal to 5% of the amount due after 15 days. It is also important to note that given that payday loans are written contracts, payday loan lenders in Missouri have up to 10 years to sue for payment on a defaulted payday loan.


Payday Loan Alternatives

When seeking short-term emergency cash options, it's always good to have a backup plan  For payday loans, title loans are a sound alternative that offers many of the benefits of payday loans such as no credit checks. Title loans are also ideal for those seeking fast cash.

Similar to a payday loan, title loans require applicants to provide verifying information. The whole premise of a title loan is using a car as collateral in exchange for cash. The title loan recipient will still have access to the vehicle while paying off the title loan. The title of the vehicle is returned when the loan is repaid in full.

Please note if the borrower defaults, the title loan company has the right to seize the vehicle for repayment of the title loan. To determine if a title loan is a viable payday loan option for you, check out our post on the best title loan companies in the United States.


Conclusion and Next Steps

Now that you have an idea of the payday loan companies that are available in St. Louis, Missouri, you're in a better position to choose a reputable payday loan company for your emergency cash needs. Rest assured that the provided list of payday loan companies in St. Louis has been thoroughly vetted to ensure they offer reputable payday loan services.

To help you get started on your payday loan search, we recommend that you check our preferred payday loan broker, LendYou. With their many years of payday loan experience as well as their simplified, easy-to-use platform, you'll have access to numerous payday loan lenders at the tip of your fingers so that you can choose the payday loan at the best rates. 


When doing research, Credit Help Info relies on credible and authoritative sites. These research sources are provided so that you can see exactly where we get our information.


About the Author

Chris Morgan

Chris Morgan is a credit expert and founder of Credit Help Info. He has been featured in Addition Financial, GOBankingRates, MSN Money, Yahoo Finance, and many other publications. He has read hundreds of books and resources on finance and the credit industry. Because he did this, you don’t have to. As a school teacher for over 20 years, Chris enjoys taking complicated material and breaking it down into manageable information that’s easy to understand.


Learn more about Chris Morgan


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