Ballwin, MO · Midwest · Allowed
Payday loans in Ballwin
Ballwin is governed by Missouri's statewide lending law — cities don't set their own loan rules. Storefront payday lending is permitted in Missouri. State law caps what lenders can charge — the limits below are the legal ceiling, and honest lenders stay under it.
The limits below are the legal ceiling — any offer above them is being made outside the law.
Lending storefronts in Ballwin
30,313 residents · St. Louis County Median household income is $87,373 — above the Missouri median of $52,410.
2 storefront locations of 2 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| ACE Cash Express Check Cashing/Pay-day Loans, Installment Loans | 14636 Manchester Rd, 63011 | (636) 227-7000 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 15521 Manchester Rd, 63011 | (636) 527-1837 | Mon 10:00 AM - 6:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Missouri page before visiting. Spot an error? Report it.
The online route in Ballwin
A parallel market lends entirely online — application, decision and funding on a website, no storefront. Lenders licensed in Missouri follow the state schedule anywhere in the state, but bank-partner and tribal loans are structured outside state rate limits, and regulators dispute that model.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Missouri regulator.
The rules behind the numbers
Payday loans are high-cost loans designed for short-term financial emergencies and should not be used for long-term borrowing.
In practice: borrow $300 for a standard term and the finance charge is $45 — $345 repaid at the end, about 443% APR. Every compliant lender in Ballwin has to fit inside that schedule.
Statute: Mo. Rev. Stat. § 408.500 et seq.
Regulator: Missouri Division of Finance · finance.mo.gov
Questions people ask in Ballwin
Are payday loans legal in Ballwin, MO?
Yes. Storefront payday lending is permitted across Missouri, and Ballwin runs under the same state rules: maximum loan $500, fees capped at 75% of initial principal limit for interest/fees combined. A store charging above the cap is operating illegally.
How much would a $300 loan cost me in Ballwin?
The same as anywhere in Missouri: state law sets the schedule. On a typical $300 loan the finance charge is about $45 — $345 repaid at the end of the standard term.
Which lenders have stores in Ballwin?
2 storefronts are listed in Ballwin in our 2022-02-20 directory snapshot (2 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in Ballwin?
Complaints about a lender go to the Missouri Division of Finance (finance.mo.gov) — keep the loan agreement and every fee disclosure you were given.