Payday loans in Concord, MO
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Concord, MO.
The median household in Concord earns $89,038 a year, 26% above the Missouri median of $70,702. About 4% of residents live below the federal poverty line, and 14.0% of households rent their home. When an unexpected bill hits before payday, Concord residents can request $100 to $1,000 online in minutes.
Missouri law that applies in Concord
| Maximum loan | Payday loans are loans of $500 or less, and a lender (with its affiliates) may not have more than $500 in payday loans outstanding to you at one time. |
|---|---|
| Fee cap | Interest and fees are whatever the parties agree to (simple interest), but you can never be required to pay total interest and fees of more than 75% of the original loan amount for the loan and all its renewals combined. |
| Rollovers | The lender must renew the loan if you ask in writing and pay the interest and fees due, but each renewal must reduce the principal by at least 5% of the original amount, and a loan may be renewed no more than six times. |
| Loans at once | No more than $500 in payday loans outstanding with the same lender or its affiliates at one time; a loan may not be repaid with proceeds of another loan from the same lender. |
Full rules with statute citations: Payday Loans in Missouri. Cities in Missouri cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a payday loan in Concord
Most Concord applicants can finish in one sitting if they have these ready:
- 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 Concord
What Concord borrowers use it for
handle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Medical billspay a doctor, dentist or pharmacy bill now
Car repairskeep getting to work while the shop fixes it
Loans for your situation
How to get a payday loan in Concord
- Pick an amount and fill out the short form (about 3 minutes).
- We share your request with lenders in our network that serve Missouri.
- If a lender approves you, you'll see the fee, APR and due date before you sign.
- Funds are deposited to your bank account, often the next business day.
Estimate your cost
How much will I repay?
Missouri does not set a single per-$100 fee cap for this product; check the lender's disclosure. $15 per $100 is shown as an example.
Estimate only. Your lender shows your exact cost before you sign.
Banks and credit unions in the area
Banks with branches in St. Louis County
307 FDIC-insured bank branches from 58 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| U.S. Bank National Association | 31 | 8031 West Florissant Ave, Jennings 63136 |
| Commerce Bank | 22 | 7910 Clayton Rd, Richmond Heights 63117 |
| Regions Bank | 22 | 8351 Maryland Ave, Clayton 63105 |
| Bank of America, National Association | 19 | 15115 Manchester Rd, Ballwin 63011 |
| JPMorgan Chase Bank, National Association | 17 | 1 Brentwood Promenade Ct, Brentwood 63144 |
| First Bank | 16 | 11901 Olive Boulevard, St. Louis 63141 |
| PNC Bank, National Association | 14 | 2211 S. Big Bend Blvd, St. Louis 63117 |
| Simmons Bank | 13 | 7151 Natural Bridge Rd, Saint Louis 63121 |
| Great Southern Bank | 11 | 366 S Kirkwood Rd, Saint Louis 63122 |
| The Central Trust Bank | 10 | 7707 Forsyth Blvd, Clayton 63105 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in St. Louis County
85 credit-union locations from 25 credit unions.
| Credit union | Location |
|---|---|
| Communityamerica | 5952 Howdershell Rd, Hazelwood 63042 |
| Navy Federal Credit Union | 1811 Maplewood Commons Dr, Maplewood 63143 |
| First Community | 17151 Chesterfield Airport Rd, Chesterfield 63005 |
| Together | 3805 Union Rd, Saint Louis 63125 |
| Scott | 8866 Ladue Rd, Saint Louis 63124 |
| Vantage | 4545 Lemay Ferry Rd, Saint Louis 63129 |
| St. Louis Community | 7350 Olive Blvd, University City 63130 |
| Neighbors | 6300 S Lindbergh Blvd, Saint Louis 63123 |
| National Police | 106 W Madison Ave Ste 200, Saint Louis 63122 |
| West Community | 2345 S Brentwood Blvd, Saint Louis 63144 |
| Alltru | 5916 N Lindbergh Blvd, Hazelwood 63042 |
| Arsenal | 8651 Watson Rd, Saint Louis 63119 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: St. Louis County · Personal Loans in Concord · Title Loans in Concord
Frequently asked questions
Can I get a payday loan in Concord, MO?
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. You can request one online from Concord through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Concord?
Payday loans are loans of $500 or less, and a lender (with its affiliates) may not have more than $500 in payday loans outstanding to you at one time.
How fast can I get a payday loan in Concord?
The form takes about three minutes and many lenders decide within minutes. If you're approved and sign before the lender's cutoff, funds are often deposited the next business day.
Do payday lenders in Concord check your credit?
Most payday lenders check something, but it often isn't a traditional credit report. Many focus on income and banking history and may use alternative credit data or a soft check instead of a hard pull from the major bureaus. Each lender sets its own process and will tell you what it reviews. Submitting our form is free, and you can see if you qualify in about 3 minutes.
How do payday loans work in Concord?
You fill out a short online request, a lender reviews your income and banking details, and if you're approved you see the amount, fee and due date before you sign. Funds are typically deposited into your checking account, often by the next business day. On your due date, repayment is usually taken from that same account. Concord residents can start the process online in about 3 minutes.
Is a payday loan secured or unsecured?
A payday loan is an unsecured loan. You don't put up a car, home or other property as collateral. Instead, lenders base their decision mainly on your income and checking account, and repayment is usually scheduled from that account on your due date. That keeps the process quick, since there's nothing to appraise. Concord residents can see if they qualify in about 3 minutes.
What is a payday loan in Concord?
A payday loan is a small, short-term loan, usually a few hundred dollars, that you repay in one payment on or around your next payday. Borrowers in Concord can request one online from home instead of visiting a storefront. Through our free form you can be matched with lenders in our network, with amounts depending on the lender and Missouri rules. See if you qualify in about 3 minutes.
What is a payday advance loan?
A payday advance loan is another name for a payday loan: a short-term advance on your next paycheck. You borrow a small amount and repay it, plus a fee, when you're next paid. The process is quick because lenders look mainly at your income and checking account. Concord residents can request a payday advance online through our network in about 3 minutes.
Do I need to visit a store in Concord?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.