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Payday Loans in Saint Louis, MO: Stores, Costs and Rules
Updated November 2026 · By Payday Loans Reviews Editorial Team · Not a lender
Payday loans are available in Saint Louis. Missouri law allows licensed lenders to operate under the Small Loan Act, and you'll find 27 storefronts scattered across the city, with TitleMax running 9 locations and ACE Cash Express operating 7. The state sets a $500 maximum loan amount and lets terms run between 14 and 31 days, but it also permits fees up to 75% of what you borrow and allows as many as 6 rollovers.
That combination shapes what you'll actually pay. Take the example of a $500 loan for 14 days: the fee is $75, so you repay $575. That works out to an APR of about 391%. The typical APR in Missouri runs around 462%. With median rent at $1,116 and a 14.1% poverty rate, some Saint Louis residents face a gap between paychecks and bills. Understanding these numbers before you walk into a store helps you compare your options and decide whether a payday loan, a credit union PAL, or another route fits your situation.
St. Louis County · St. Louis, MO-IL metro area
Saint Louis borrowers and Missouri payday laws
- Max loan amount
- $500
- Min loan term
- 14 days
- Max loan term
- 31 days
- Finance charge cap
- 75% of initial loan amount
- Max absolute fee
- N/A
- Typical APR
- ~462%
- Rollovers (extensions)
- Up to 6
- Simultaneous loans
- N/A
- Right to rescind
- Next business day
- Governing law
- Missouri Small Loan Act
- Regulator
- MO Div. of Finance
Payday loan cost calculator for Saint Louis
Move the sliders to see what a payday loan would cost under Missouri rules and how it compares with local incomes.
Missouri maximum: $500
Missouri sets no fixed fee; $15 is typical
- Fee
- $75
- Total to repay
- $575
- APR
- 391%
- Total fees with rollovers
- $75
- Share of a two-week household paycheck in Saint Louis
- 2.6%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
Payday loans in Saint Louis: how to apply
Bills do not always arrive on schedule. If you are short on funds in Saint Louis, we link you to state-licensed lenders you can trust.
Complete the online request from anywhere, get a fast reply, and, once approved, receive the loan in your bank account by the next business day.
Why Saint Louis residents use us
- Fast 5-minute request A web request option that eliminates waiting inside a branch.
- Bad credit considered Approval hinges on reliable earnings, not only on past credit records.
- Borrow up to $500 Lending terms are strictly bound by the standards of the Missouri Small Loan Act.
- Safe & confidential All private borrower and bank records are transmitted over a protected, encrypted link.
Notice for Saint Louis residents: Use payday loans only for brief emergencies rather than repeated financial relief. In Missouri, allowable fees, interest rates and principal amounts are regulated by the Missouri Small Loan Act. Review the entire disclosure and contract thoroughly before adding your signature.
Saint Louis at a glance
| Metric | Saint Louis | Missouri | United States |
|---|---|---|---|
| Population | 891,907 | 6.2M | 332.3M |
| Median household income | $75,419 | $73,651 | $85,275 |
| Median rent | $1,116/mo | $1,029/mo | $1,432/mo |
| Income spent on rent | 28.8% | 28.1% | 31.6% |
| Homeownership | 59.2% | 68.7% | 65.4% |
| Poverty rate | 14.1% | 12.7% | 12.6% |
| Unemployment rate | 4.7% | 4.2% | 5.3% |
| Without health insurance | 7.1% | 9.2% | 8.6% |
| Veterans | 6.1% | 7.5% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
What a payday loan costs in Saint Louis
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 2.6%
- Hours of work at the local median wage
- 3.6 hours
- Total fees if rolled over 6×
- $525
Missouri sets no fixed fee in dollars, so this example uses a typical fee of $15 per $100 on a $500 loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
Payday loan stores in Saint Louis, MO
Licensed storefront lenders in Saint Louis with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the MO Div. of Finance before you borrow.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 10004 Gravois Rd St. Louis, MO 63123 | (314) 638-7200 | — | 4.9 |
| 10016 W Florissant Ave St. Louis, MO 63136 | (314) 388-3175 | — | 4.9 |
| 10578 Page Ave St. Louis, MO 63132 | (314) 423-4949 | — | 4.9 |
| 3655 S Grand Blvd St. Louis, MO 63118 | (314) 773-1186 | — | 4.9 |
| 6528 Manchester Ave St. Louis, MO 63139 | (314) 644-2654 | — | 4.9 |
| 7028 W Florissant Ave St. Louis, MO 63136 | (314) 381-9100 | — | 4.9 |
| 7856 Olive Blvd University City, MO 63130 | (314) 863-7500 | — | 4.8 |
| 3861 Lemay Ferry Rd. Saint Louis, MO 63125 | (314) 416-7780 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 1:00 PM Sun closed |
— |
| 6902 Olive Blvd. University City, MO 63130 | (314) 862-1678 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 1:00 PM Sun closed |
— |
| 1415 N Grand Blvd St. Louis, MO 63106 | (314) 535-5496 | — | 4.9 |
| 8503 Olive Blvd Olivette, MO 63132 | (314) 733-1115 | — | 4.8 |
| 313 Watson Plaza St. Louis, MO 63126 | (314) 282-6789 | — | 3.7 |
| 12645 Olive Blvd Ste 222 Creve Coeur, MO 63141 | (417) 986-0920 | — | 4.6 |
| Two Cityplace Dr 2nd Floor St. Louis, MO 63141 | (314) 354-7100 | — | 4.1 |
| 5811 Chippewa St Ste A2 St. Louis, MO 63109 | (314) 752-4581 | — | 3.7 |
| 9120 Overland Plaza Overland, MO 63114 | (314) 890-2227 | — | 3.7 |
| 379 Watson Plaza St. Louis, MO 63126 | (314) 966-6020 | — | 3.1 |
| 9004 St Charles Rock Rd St. Louis, MO 63114 | (314) 427-1116 | — | 4.8 |
| 1 N Oaks Plaza Ste B St. Louis, MO 63121 | (314) 385-9087 | — | 5.0 |
| 10568 Page Ave St. Louis, MO 63132 | (314) 890-2220 | — | 5.0 |
| 1311 N Grand Blvd St. Louis, MO 63106 | (314) 932-4995 | — | 5.0 |
| 2629 Gravois Ave St. Louis, MO 63118 | (314) 881-3975 | — | 5.0 |
| 7405 W Florissant Ave St. Louis, MO 63136 | (314) 446-6006 | — | 5.0 |
| 10415 Watson Rd St. Louis, MO 63127 | (314) 686-6050 | — | 4.9 |
| 3227 S Kingshighway Blvd St. Louis, MO 63139 | (314) 881-6164 | — | 4.9 |
| 8640 Airport Rd Berkeley, MO 63134 | (314) 521-3608 | — | 4.9 |
| 9814 W Florissant Ave St. Louis, MO 63136 | (314) 388-4850 | — | 4.9 |
Who runs payday stores in Saint Louis
| Company | Stores | Share of stores | Average Google rating |
|---|---|---|---|
| TitleMax | 9 | 33% | 5.0 |
| ACE Cash Express | 7 | 26% | 4.9 |
| OneMain Financial | 3 | 11% | 3.5 |
| Advance America | 2 | 7% | — |
| Check 'n Go | 2 | 7% | 4.8 |
| loanDepot | 2 | 7% | 4.3 |
| Lendmark Financial Services | 1 | 4% | 3.7 |
| Sun Loan Company | 1 | 4% | 4.8 |
Store counts and ratings from our directory. We do not rank or recommend lenders.
Saint Louis in context
- Population rank in Missouri
- 1st
- of 17 Missouri cities with 50,000+ residents
- Median household income rank
- 10th
- of 17 Missouri cities with 50,000+ residents
- Households earning under $25,000
- 17.7%
- ▲ 1.5 pts vs MO
- Median home value
- $255,329
- ▲ 15% vs MO
- Home value to income
- 3.4×
- A $400 emergency expense
- 1.9 days
- of median household income
Saint Louis at a glance: budgets and payday costs
Saint Louis has about 891,907 residents in St. Louis County, the largest of the 17 Missouri cities we cover. Census estimates put the typical Saint Louis household at $75,419 a year, within 2% of the Missouri figure ($73,651) (below the U.S. figure).
Homes in Saint Louis have a median value of $255,329 (15% above the Missouri median). The price-to-income ratio is near 3.4. Per person, median income is about $43,721. It belongs to the St. Louis, MO-IL metro area.
Median rent in Saint Louis is $1,116 a month, 8% above Missouri overall ($1,029). Renters spend about 28.8% of income on housing, under the 30% benchmark. 14.1% of residents live below the poverty line, above the Missouri rate of 12.7%. 17.7% of households bring in less than $25,000. About 4.7% of the labor force is unemployed, versus 4.2% in Missouri. Homeownership is 59.2%; the rest of households rent.
Repaying a $500 payday loan plus its $75 fee would use about 2.6% of a typical Saint Louis household's biweekly pay, or about 4 hours of work at the local median wage. Nearby Springfield has a median rent of $938, $178 less than Saint Louis. In Lees Summit, the median household income is $107,518 (43% more than here). In Saint Louis we count 27 licensed loan storefronts, 13 credit unions, 265 bank branches and 25 pawn shops.
Saint Louis and nearby cities
| City | Population | Median household income | Median rent | Poverty rate |
|---|---|---|---|---|
| Saint Louis | 891,907 | $75,419 | $1,116 | 14.1% |
| Springfield | 236,423 | $56,472 | $938 | 17.0% |
| Lees Summit | 109,974 | $107,518 | $1,430 | 5.3% |
| Independence | 128,218 | $60,969 | $1,101 | 15.0% |
| Kansas City | 602,147 | $74,544 | $1,243 | 13.9% |
Source: U.S. Census Bureau American Community Survey estimates.
Saint Louis payday loan cost table
| Amount | Fee (14 days) | APR | Repay once | Repay after 2 renewals |
|---|---|---|---|---|
| $100 | $15 | 391% | $115 | $145 |
| $200 | $30 | 391% | $230 | $290 |
| $300 | $45 | 391% | $345 | $435 |
| $400 | $60 | 391% | $460 | $580 |
| $500 | $75 | 391% | $575 | $725 |
Fee of $15 per $100 per term from state rules in our database; renewals only where the state allows them.
FAQ for Saint Louis borrowers
How much do households earn in Saint Louis?
Census estimates show a median household income of $75,419 and a median rent of $1,116 a month in Saint Louis.
How many lenders are there in Saint Louis?
Our directories list 27 licensed loan storefronts and 13 credit unions in Saint Louis, Missouri. Credit unions usually charge far less than storefront lenders for small loans.
Is Saint Louis an expensive place to rent?
Renters in Saint Louis spend about 28.8% of their income on housing, against a 30% affordability benchmark, and 14.1% of residents live below the poverty line (statewide: 12.7%).
Will a poor credit rating keep me from borrowing through a payday loan in Saint Louis?
You might qualify. Network lenders focus on reliable earnings and a working bank account rather than dwelling on credit scores. No approval is assured.
How quickly are approved loans deposited in Saint Louis?
Online lending decisions often arrive in just a few minutes. After you read the terms and apply your electronic signature, lenders generally initiate the deposit the same day or on the next business day, subject to your bank's processing schedule.