As a Missouri resident you have many options when it comes to getting an online loan. You can take out a payday loan, installment loan, or auto title loan if you feel comfortable using your vehicle as collateral. These three types of online loans are all different. But they give Missouri residents the chance to get emergency cash in less than 24 hours. If you live in Kansas City or St. Louis you can get your money quicker at many retail locations. The lenders shown below offer payday loans throughout the state. There are always new companies added to the system, so check back at least once a week for updates.



MyPaydayLoan is a lender that’s been offering online loans in Missouri residents for over a decade. They rolled out a new online application process that promises instant approval notification. There’s no faxing required and they’ll never check your credit rating history. You may be denied for financing if you don’t have an active bank checking account. MyPaydayLoan will lend up to $600 for new applicants and up to $1000 if you’re a repeat customer.


CashCentral has been funding Missouri payday loans for over a decade. Qualified residents can now receive a $500 short term loan within one business day, if they qualify. Most Lending terms are at least 14 days and no longer than 31 days. A valid check account is a must and you must show proof of income.


Check Into Cash has hundreds of locations throughout the country as well as a huge online presence. In fact, it’s likely there’s a retail office within an hours drive of you within the state. They have a few payday loan stores Kansas City and St Louis alone. If you choose to apply for a Missouri payday loan online you can usually get an approval answer within minutes of submitting your application. They offer same day loans with various payoff options.


If you find it difficult to get financing from the companies shown here you many want to checkout LoanSolo. They’re not an actual lender, instead they deal with 100+ large and small companies that offer payday loans in Missouri. Many of their small lenders aren’t well known. But they are great alternative when compared to lenders that may deny you because of bad credit or delinquent payday advances. LoanSolo can arrange car title and cash advance financing, assuming there’s no past bankruptcy. Local residents can apply for up to $2000 through their network of online lenders.



Unlike most of the financing offers on this page, Net Credit only funds direct payday loans. They fund online installment loans for Missouri residents of 5k to $15k and have a completely automated application process. It will be difficult to get funding with them if you have bad credit. You generally need decent or good credit to pre-qualify. Their installment loans give you the ability to build credit history with timely payments. They report your payment history to Experian and TransUnion. This is a good thing if you’re on time with your monthly payments.

Wise Loan

WiseLoan is a great source of cash that ranges from $800-$1,500. They see great approval rates for Missouri residents with the ability for approval in minutes. Regardless of the fact that you may have bad credit. To qualify for a loan they recommend you show active employment of at least 90 days. Applicants will also need an active bank checking account in their name.


LendUp started providing a payday loan alternative to Missouri residents as of 2019. They offer low interest rates when compared to traditional lenders that operate in the state of MO. They also say their loans get cheaper and more flexible over time with friendly payoff lending terms. LendUp is funding short term loan amounts which go from $250 to $800. They also provide a no documentation loan in Kansas City for those who qualify.


They are a very large company with local offices throughout the state. They have originated over 2 million cash advances and installment loans throughout the country. CashNet offers installment and payday loans in Missouri to qualified applicants. The max online loan amount they offer in Missouri is $2,000. Payoff terms will range from 6 months to 15 months depending on the loan amount.

National Payday

They are a long-running direct payday lender with an office in St. Louis. They’ve been offering instant payday loans since 2005. Their funding comes with a quick online loan application. National will not require you to fax anything in and won’t check your credit history. This type of financing carries high interest and fees. Applicants will need to provide a checking or bank savings account to confirm their agreement. National provides online loans of $300-$600 for first time borrowers and you can set your own due date.

MO Quick Loans

MO Quick Loans can help you with short term payday loans. They can get your money wired straight to you in hours(this option is typically available in Kansas City). They offer up to $1000 for Missouri residents. You’ll need to make more than $1250 a month to qualify. Borrowers need an active checking account, and must be over 18 years old. Check out their website for more details and information about their car title and auto equity funding.

Golden Valley Lending

Golden Valley claims to provide an alternative to the typical payday advance offers. Loan amounts range from a few hundred dollars to one thousand dollars. This type of funding is different from a payday loan as it’s paid off over a period of months, opposed to weeks with most cash advance services. Golden has a fast cash approval process and claims that bad credit isn’t going to be a problem. Per their website, they look at other factors besides your credit score, like employment and payment history when determining your loan eligibility.
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Check back often, new local payday loan companies are added all the time!