Payday loans in St. Louis, MO
U.S. Census Bureau, ACS 2020–2024 5-year estimates for St. Louis, MO.
The median household in St. Louis 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. When an unexpected bill hits before payday, St. Louis residents can request $100 to $1,000 online in minutes.
Missouri law that applies in St. Louis
| 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 St. Louis
Most St. Louis 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 St. Louis
What St. Louis borrowers use it for
the fastest options online
Moving costsdeposits, trucks and first-week expenses
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 St. Louis
- 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
9 FDIC-insured bank branches from 8 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| PNC Bank, National Association | 2 | 2211 S. Big Bend Blvd, St. Louis 63117 |
| Lindell Bank & Trust Company | 1 | 6900 Clayton Ave, St. Louis 63139 |
| First Bank | 1 | 11901 Olive Boulevard, St. Louis 63141 |
| First Mid Bank & Trust, National Association | 1 | 5475 Southfield Ctr, St. Louis 63123 |
| BMO Bank National Association | 1 | 5256 S Lindbergh Blvd, St. Louis 63126 |
| Commerce Bank | 1 | 1600 S Lindbergh Blvd, St. Louis 63131 |
| The Central Trust Bank | 1 | 1 Mcknight Pl, St. Louis 63124 |
| JPMorgan Chase Bank, National Association | 1 | 8636 Olive Blvd, St. Louis 63132 |
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.
Nearby cities
County: St. Louis city · Personal Loans in St. Louis · Title Loans in St. Louis
Frequently asked questions
Can I get a payday loan in St. Louis, 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 St. Louis through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in St. Louis?
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 St. Louis?
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.
Is a payday loan installment or revolving credit?
A traditional payday loan is neither. It's a single-payment loan: you borrow a set amount and repay it, plus the fee, in one payment on your due date. An installment loan spreads repayment over several scheduled payments, and revolving credit, like a credit card, lets you borrow repeatedly up to a limit. Depending on Missouri rules, lenders may offer payday or installment options. Compare them in about 3 minutes.
How do payday loans work in St. Louis?
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. St. Louis residents can start the process online 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. St. Louis residents can request a payday advance online through our network in about 3 minutes.
What is a payday loan in St. Louis?
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 St. Louis 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.
Where can I get a payday loan in St. Louis?
You can visit a storefront in St. Louis or request a loan online without leaving home. Our free form sends one request to multiple lenders in our network, so you don't have to apply store by store. If a lender makes you an offer, you review the terms and decide whether to accept, with no obligation. It takes about 3 minutes to see if you qualify.
Do I need to visit a store in St. Louis?
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.