Missouri Payday Loans and Cash Advances

Caught short between paychecks?
Our payday loans can help!

At Check `n Go, we’ve made it a point to be there for Missouri residents who have urgent money needs.

In Missouri, online payday loans are available from $100 to $500. Online installment loans are available from $1000 to $5000. Our easy online application is ready when you are – 24 hours a day, seven days a week. If your loan is approved, funds could be deposited to your checking account as soon as the next business day.

At more than 20 stores throughout Missouri, The Choice Loan – a type of installment loan – is available in amounts ranging from $300 to $5000. The friendly store associates at your neighborhood Check `n Go will be happy to answer your questions and walk you through the application process. If your loan is approved, you could receive your funds before leaving the store.

Missouri Check `n Go stores are a resource for more than just loans. They also offer check cashing and the Netspend Prepaid Mastercard®. Whether you need a payday loan, an installment loan or another one of our services, think Check `n Go!

Apply online or start your store application now and finish it at the store. To apply for a loan, you’ll need at least a valid ID, proof of income, an active checking account and a working phone number. Call your store first to confirm what you’ll need. We look forward to seeing you!

Locations

Privacy & Security

Whether online, over the phone, or at our neighborhood locations, we set the industry standard for integrity and security.

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Missouri Installment Loan Rates and Terms

Availability of Installment Loans

Check `n Go offers installment loans online.

Governing Law

The loan agreement will be governed by the Missouri Consumer Credit Laws. Questions or complaints should be directed to the Missouri Division of Finance.

Maximum Loan Amount

The maximum online loan amount for Missouri residents is $5000.

Fax of Pay Stub

Missouri requires that all Missouri customers have their most recent pay stub on file with Check `n Go when receiving an installment loan.  For online customers, please fax or e-mail Check `n Go your latest pay stub when applying to ensure timely processing of your loan.

Loan Terms

Only one loan is permitted at Check `n Go, whether online or at a store.

Missouri Payday Loan Rates and Terms

Governing Law

The loan agreement will be governed by the Missouri Consumer Credit Laws. Questions or complaints should be directed to the Missouri Division of Finance.

Maximum Payday Loan Amount

The maximum loan amount for Missouri residents is $500.

Payday Loan Terms

For a Check `n Go online loan the minimum loan term is 14 days and the maximum loan term is 31 days. For a Check `n Go store location the minimum loan term is 14 days and the maximum loan term is 31 days.

Only one loan is permitted at Check `n Go, whether online or at a store.

Extensions

You may extend your loan up to a maximum of 2 times by paying down your principal balance by a minimum of $25 AND paying the loan fee before the full amount must be satisfied. After paying the original loan fee, you will be contracted for an additional loan, for which you will be charged an additional loan fee. For an online loan you can request an extension by logging into your account or by calling customer service. For a store loan you must contact the store where your loan was originated.

Finance Schedule

Qualifications

  • A regular, verifiable source of income
  • An active checking account
  • A working phone

Requirements

  • Your most recent pay stub OR your most recent bank statement
  • Your checkbook
  • Driver’s License or government -issued photo ID
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Online Disclosures

Customer Notice: Payday Loans are typically for two-to four-week terms (up to six months in IL). Some borrowers, however, use Payday Loans for several months, which can be expensive. Payday Loans (also referred to as Payday Advances, Cash Advances, Deferred Deposit Transactions/Loans) and high-interest loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction. See State Center for specific information and requirements.

Rhode Island licensed check casher. California operations licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law and the California Financing Law. Texas loans are originated by a third-party lender, restrictions apply. Eastern Specialty Finance, Inc., D/B/A Check ‘n Go is licensed by the Delaware State Bank Commissioner pursuant to 5 Del. C. sec. 2201 et. al., and expires 12/31/2019. Minimum loan amount for installment loans in California is $2,505.00

Check `n Go Online is not a direct lender in Texas, where instead it acts in the capacity as a Credit Services Organization in conjunction with third-party lenders. Integrity Texas Funding also acts a direct lender in Texas for in-store loans only.

*Approval depends upon meeting legal, regulatory and underwriting requirements. Online applications completed and approved prior to 8 pm (ET) can have funds as soon as the next business day. Retail applications completed online can obtain a "Conditional Approval" at any time. Retail locations can provide funds, upon approval, during regular business hours. Check https://locations.checkngo.com/index.html for detail on store information. All times and dates are based on Eastern Time (ET). Online amounts may vary by state. Please see the website for details. All products and service options are subject to change without notice. Check `n Go may report customer loan information to one or more credit reporting agencies. Late payments, missed payments and other events of default may be reflected in customer credit reports. See checkngo.com for details.

We do not report credit in Ohio, Texas or Illinois.

Products or services offered to customers may vary based on customer eligibility and applicable state or federal law. All available products subject to applicable lender’s terms and conditions. Actual loan amounts vary. See State Center for specific information and requirements.

Check `n Go currently operates online in: Alabama, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Maine, Michigan, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Oklahoma, South Carolina, Texas, Utah, Wisconsin, and Wyoming.

Check `n Go currently operates in store locations in: Alabama, California, Delaware, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Mexico, Oklahoma, Ohio, Rhode Island, Tennessee, Texas, Utah, and Wisconsin.

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