St. Joseph, MO · Midwest · Allowed
Payday loans in St. Joseph
St. Joseph 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 St. Joseph
76,472 residents · Buchanan County Median household income is $43,298 — below the Missouri median of $52,410.
5 storefront locations of 4 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 |
|---|---|---|---|
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 1401 N Belt Hwy, 64506 | (816) 364-1381 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Installment Loans, Check Cashing/Pay-day Loans | 3202 S Belt Hwy Ste A, 64503 | (816) 232-1018 | Mon 10:00 AM - 6:00 PM · hours vary |
| Security Finance Installment Loans | 2115 N Belt Hwy Ste F, 64506 | (816) 279-3638 | Mon 9:00 AM - 5:30 PM · hours vary |
| Speedy Cash Title Loans, Installment Loans | 1212 S Belt Hwy, 64507 | (816) 364-3489 | Mon 8:00 AM - 8:00 PM · hours vary |
| Sun Loan Company Tax Services, Installment Loans | 2229-D N Belt Hwy, 64506 | (816) 233-4414 | Mon 8:30 AM - 5:30 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 St. Joseph
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 St. Joseph 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 St. Joseph
Are payday loans legal in St. Joseph, MO?
Yes. Storefront payday lending is permitted across Missouri, and St. Joseph 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 St. Joseph?
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 St. Joseph?
5 storefronts are listed in St. Joseph in our 2022-02-20 directory snapshot (4 different companies). The full list with addresses, phones and hours is in the table above.
Who regulates lenders in St. Joseph?
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.