Loans in St. Louis city, MO: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for St. Louis city, MO.
The median household in St. Louis city earns $56,160 a year, 21% below the Missouri median of $70,702. About 21% of residents live below the federal poverty line, and 54.7% of households rent their home.
What you need for a payday loan in St. Louis city
Lenders that serve St. Louis city typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in St. Louis city
What St. Louis city borrowers use it for
deposits, trucks and first-week expenses
Need money nowthe fastest options online
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Loans for your situation
Which loans are available in St. Louis city
Payday Loans Legal
Payday loans (unsecured loans of $500 or less) are legal in Missouri from lenders licensed by the Division of Finance under RSMo 408.500-408.506.
Personal Loans
No rate cap: licensed lenders may charge rates agreed by the parties.
Title Loans Legal
Car title loans are legal in Missouri from lenders licensed by the Division of Finance under RSMo 367.500-367.533.
Banks and credit unions in St. Louis city
Banks with branches in St. Louis city
65 FDIC-insured bank branches from 26 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| U.S. Bank National Association | 11 | 4301 Lindell Blvd, Saint Louis 63108 |
| Commerce Bank | 5 | 901 S Vandeventer Ave, Saint Louis 63110 |
| Bank of America, National Association | 5 | 1500 Saint Louis Ave, Saint Louis 63106 |
| Midwest BankCentre | 4 | 4612 Gravois Ave, Saint Louis 63116 |
| BMO Bank National Association | 3 | 2301 S Kingshighway Blvd, Saint Louis 63110 |
| Regions Bank | 3 | 701 Market St, Saint Louis 63101 |
| PNC Bank, National Association | 3 | 6025 Chippewa St, Saint Louis 63109 |
| Busey Bank | 3 | 415 De Baliviere Ave, Saint Louis 63112 |
| First Bank | 3 | 7256 Gravois Ave, Saint Louis 63116 |
| JPMorgan Chase Bank, National Association | 3 | 101 N Broadway, Saint Louis 63102 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in St. Louis city
19 credit-union locations from 11 credit unions.
| Credit union | Location |
|---|---|
| First Community | 4249 Watson Rd, Saint Louis 63109 |
| Together | 6600 Chippewa St, Saint Louis 63109 |
| Scott | 6 Cardinal Way Ste 130, Saint Louis 63102 |
| St. Louis Community | 3651 Forest Park Ave, Saint Louis 63108 |
| Neighbors | 1720 Market St, Saint Louis 63166 |
| West Community | 1222 Spruce St Rm 10.209, Saint Louis 63103 |
| Alltru | 1407 Washington Ave, Saint Louis 63103 |
| Alliance | 5530 Fyler Ave, Saint Louis 63139 |
| F R B | Federal Reserve Bank Of St Louis, Saint Louis 63102 |
| St. Louis Policemen`S | 1915 Olive St, Saint Louis 63103 |
| West Side Baptist Church | 4675 Page Blvd, Saint Louis 63113 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in St. Louis city
All Missouri counties and cities
Frequently asked questions
Are payday loans legal in St. Louis city?
St. Louis city follows Missouri law. Payday loans (unsecured loans of $500 or less) are legal in Missouri from lenders licensed by the Division of Finance under RSMo 408.500-408.506.
Are title loans legal in St. Louis city?
Car title loans are legal in Missouri from lenders licensed by the Division of Finance under RSMo 367.500-367.533.
Where can I get a small loan in St. Louis city?
Options include 65 bank and 19 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in St. Louis city?
Fill out our short online form from anywhere in St. Louis city. We share it with lenders in our network that serve Missouri; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get a loan in St. Louis city on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. St. Louis city residents can start any time, and it takes about 3 minutes.
Can I apply for a loan online in St. Louis city?
Yes. You don't need to visit a branch or storefront anywhere in St. Louis city. Our secure online form works on your phone or computer, takes about 3 minutes, and connects you with lenders in our network that serve Missouri. If you're approved and accept an offer, funds go directly to your bank account, often by the next business day.
Where can I get a loan in St. Louis city, MO?
You can apply at banks, credit unions and lenders in St. Louis city, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Missouri residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in St. Louis city with bad credit?
Yes, many lenders in our network work with St. Louis city residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.