Payday loans in Union, MO
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Union, MO.
The median household in Union earns $73,435 a year, about the same as the Missouri median of $70,702. About 8% of residents live below the federal poverty line, and 39.4% of households rent their home. When an unexpected bill hits before payday, Union residents can request $100 to $1,000 online in minutes.
Missouri law that applies in Union
| 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 Union
Lenders that serve Union 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 Union
What Union borrowers use it for
the fastest options online
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Rent duecover a short gap before payday
Loans for your situation
How to get a payday loan in Union
- 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 Union
8 FDIC-insured bank branches from 6 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| United Bank of Union | 3 | 15 E Main St, Union 63084 |
| Heritage Community Bank | 1 | 100 E Locust St, Union 63084 |
| U.S. Bank National Association | 1 | 201 S Oak St, Union 63084 |
| Legends Bank | 1 | 410 Us Highway 50 E, Union 63084 |
| PNC Bank, National Association | 1 | 509 Us Highway 50 W, Union 63084 |
| SULLIVAN BANK | 1 | 351 S Oak St, Union 63084 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Franklin County
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| First Community | 1701 A Roy Dr, Washington 63090 |
| St. Louis Community | 170 S Service Rd E, Sullivan 63080 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Franklin County · Personal Loans in Union · Title Loans in Union
Frequently asked questions
Can I get a payday loan in Union, 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 Union through our network; approval and terms are set by the lender.
How much can I borrow with a payday loan in Union?
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 Union?
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 Union 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 I get a payday loan in Union, MO?
Have a few basics ready: a government-issued ID, proof of regular income, an active checking account, and a working phone number and email. Then complete our secure online form. Lenders review your request, and many give a decision within minutes. If you're approved, you'll see the full terms before signing. Most Union borrowers can finish the form in about 3 minutes.
Do payday loans affect your credit score?
Usually only a little, if at all. Because many payday lenders don't use a traditional hard credit pull and often don't report to the major bureaus, a payday loan repaid on time typically has little effect on your score. A balance that goes unpaid and reaches collections could hurt it, so borrow an amount you can repay on your due date. Union residents can see their options with our 3-minute form.
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. Union residents can see if they qualify in about 3 minutes.
Where can I get a payday loan in Union?
You can visit a storefront in Union 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 Union?
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.