As a Missouri resident you have many options when it comes to getting a short term loan.  You have the option of getting a payday loan, installment loan, or auto title loan if you feel comfortable with 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 currently provide short term loans throughout the state.  There are always new online lenders added to the system, so check back at least once a week for updates.



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. They offer installment and Missouri payday loans. 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.


MyPaydayLoan is a lender that’s been offering online loans in Missouri residents since 2008. They rolled out a new online application process that promises instant approval cash advance notification. There’s no faxing required and they’ll never check your credit rating history. You may be denied for 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 since 2008. MO residents can now receive a $500 short term loan within one business day, if they qualify. Lending term must be 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 location within an hours drive of you if you live in Missouri. They have quite a few in Kansas City and St Louis alone. If you choose to apply for a 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 currently 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. MO 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 online personal loans. They fund installment loans for Missouri residents of 5k to $15k and have a completely automated online application process. It may be tough 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 for  online loans of $800-$1,500. They see great approval rates for Missouri residents with the ability to be approved in minutes. Regardless of the fact that you may have bad credit. To qualify for a MO payday loan they recommend you show active employment for at least 90 days. Applicants will also need an active bank checking account in their name.


LendUp started providing online loans to Missouri residents as of 2019. They offer low interest rates when compared to traditional payday advance companies 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 currently 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.

National Payday

They are a long running online cash advance firm. They’ve been funding Missouri loans since 2005. Their funding comes with a quick initial 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 validate their online 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 loan wired straight to you within hours where available(this option is typically available in Kansas City, MO.). They offer up to $1000 for Missouri residents. To pre-qualify for short term financing you’ll need to make more than $1250 a month.  Borrowers need an active checking account, and must be over 18 years old. They also handle 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 than 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!