Missouri Online Loan Rates and Fees

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Rates and Fees

Missouri Payday Loans

Rates and Terms for Missouri

Loan Amounts:	The maximum loan amount for Missouri Residents is $500.00. Based on your income and other factors, loan limits will be determined on an individual basis.
Term of Loan:	Minimum Days 14 - Maximum Days 31
Permitted Fees:	The cost of the loan is $17.00 per $100.00 borrowed. The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). The total amount of interest and fees collected on the initial loan, and all renewals, cannot exceed 75% of the original amount of this loan. Terms of the loan may vary. See your loan agreement for disclosure terms, APR and length of loan terms.
Renewal:	If you cannot repay the total amount due, then, we may offer to renew this transaction. If you qualify, you have the option of extending your loan a maximum of 4 times. You may request that we renew this loan. The total amount of interest and fees collected on the initial loan, and all renewals thereof, shall not exceed 75% of the original amount of this loan. We shall renew the loan upon your written request and the payment of any interest and fees due at the time of such renewal; however, upon the first renewal of the loan agreement, and each subsequent renewal thereafter, you shall reduce the principal amount of the loan by not less than five percent of the original amount of the loan until such loan is paid in full. However, no loan may be renewed more than six times. You may request these changes by logging into your online account and or by calling a customer service representative. Renewal requests must be received by 7:00 PM Mountain Time on the business day before your loan is due.

Additional Information:

Your Right to Rescind (cancel) this loan - A borrower has the right to rescind the deferred deposit loan on or before the close of the next business day following the loan transaction.

Example APR and Fee Schedule:

The Annual Percentage Rate (“APR”) will vary depending on the length of your loan (see table below). The table below shows the Annual Percentage Rate ("APR") and finance charge for various loan amounts ranging from 14 to 31 days in length.

Amount Borrowed	Fees Charged	Amount Due	Days	APR	Days	APR	Days	APR
$100.00	$17.00	$117.00	14	443.21%	21	295.47%	31	200.16%
$200.00	$34.00	$234.00	14	443.21%	21	295.47%	31	200.16%
$300.00	$51.00	$351.00	14	443.21%	21	295.47%	31	200.16%
$400.00	$68.00	$468.00	14	443.21%	21	295.47%	31	200.16%
$500.00	$85.00	$585.00	14	443.21%	21	295.47%	31	200.16%

The finance charge is $17.00 per $100.00 borrowed

Please see your consumer loan agreement for the APR and other terms applicable to your loan.

The maximum annual percentage rate we currently charge in Missouri is 445.00%.

Notices:

THIS LENDER OFFERS SHORT-TERM LOANS. PLEASE READ AND UNDERSTAND THE TERMS OF THE LOAN AGREEMENT BEFORE SIGNING. YOU MAY CANCEL THIS LOAN WITHOUT COSTS BY RETURNING THE FULL PRINCIPAL BALANCE TO THE LENDER BY THE CLOSE OF THE LENDER’S NEXT FULL BUSINESS DAY.

Loan License and Registration:

We are licensed and regulated by the Missouri Division of Finance
301 W. High Street, Room 630
Jefferson City, MO 65102
Phone: (573) 751-3242 Fax: (573) 751-9192

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Payday Loans are also commonly referred to as Cash Advance, Payday Advances, Payday Advance Loans and Fast Cash Loans

Check City does not usually utilize traditional credit checks as part of the payday loan approval process. However, Check City may, at its discretion, verify application information by using national consumer loan underwriting databases that may include information relating to previous cash advance transactions that Check City may take into consideration in the approval process. Additionally:

*Actual loan amounts vary. See State Center for specific information and requirements.

***Products or services offered to customers may vary based on customer eligibility and applicable state or federal law.

***Some customers applying for payday loans or installment loans may be required to submit additional documentation due to state law and qualification criteria

Customer Notice: Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counseling.

Check City provides loan services in: Alabama, California, Hawaii, Idaho, Illinois, Indiana, Kansas, Michigan, Missouri, Nevada, New Mexico, North Dakota, South Dakota, Texas, Utah, Wisconsin, and Wyoming.

Check City acts as a credit services organization/credit access business (CSO/CAB) in Texas and is not the lender – loans there are made by a third-party lender.

*Loan proceeds issued through our website are generally deposited via ACH for delivery next business day if approved by 8pm CT Mon. – Thu. or by 8pm Saturday.

‡Maximum funded amount for payday loans or installment loans depends on qualification criteria and state law. See Rates and Terms for details.

++Please see Rates and Terms to check the availability of online loans in your state. Check City does not provide loan services in all states.

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This is an invitation to send a loan application, not an offer to make a short term loan. This service does not constitute an
offer or solicitation for payday loans in Arizona, Arkansas, Colorado, Georgia, Maryland, Massachusetts, New York, Pennsylvania, or West Virginia.