CASH ADVANCE MATH / MISSOURI
Payday loans in Missouri: rules, costs and cheaper options
Start with the rules. Then compare the full cost of an advance or a credit union loan before deciding.
Missouri borrowing rules
Legal, with licensed lenders
- Maximum loan
- $500
- Fee cap
- No APR cap. Total accumulated interest and fees, including renewals, cannot exceed 75% of the original amount.
- Loan term
- 14 to 31 days
- Rollovers
- Up to 6 renewals. Each renewal must reduce principal by at least 5% of the original amount.
A lender and its affiliates cannot have more than $500 outstanding to the same borrower under these rules.
Regulator: Missouri Division of Finance
Cheaper options in Missouri
Compare an app's standard delivery cost, then ask a federal credit union about a PAL. Check your eligibility and state availability first.
Last checked Sep 29, 2026. These state rules do not change the calculator's national example.