Home›State rule guide›Missouri Payday Loans: $500 Limit, 14–31 Day Term & Renewal Cap

State rule guide

Missouri Payday Loans: $500 Limit, 14–31 Day Term & Renewal Cap

Check Missouri payday-loan rules, including the $500 limit, 14–31 day term, six-renewal ceiling and 75% aggregate interest-and-fee cap.

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✓Availability✓Limits✓Licensing

Check the actual providerConfirm who makes the credit decision.

Normalize the costCompare fees, APR, total due and dates.

Stress-test repaymentProtect essential cash after the payment.

Complete guide

Answers, tradeoffs and next steps

Use the sections below to evaluate fit, not to predict approval.

Missouri’s first question is the posted provider fee, not a made-up statewide average

The Division’s public summary gives the amount, term and aggregate renewal ceiling but does not justify inventing one standard initial fee for every lender. Payday Hex loads the actual posted licensed-provider price.

The 75% rule belongs in a cumulative renewal model

Missouri caps aggregate interest and fees on the initial loan plus renewals at 75% under the Division’s summary. The product page therefore shows cumulative dollars across the lifecycle, not just the first due date. MO_DOF

A next-full-business-day payoff has a special cost outcome

The Division states that a borrower who pays before the close of the lender’s next full business day pays no interest or fees. Payday Hex surfaces that state-specific exit immediately when the timing applies. MO_DOF

Six renewals is a legal ceiling, not a recommended path

The page can display the maximum legal renewal count while keeping the repayment-cost curve and alternatives above any renewal action.

Interactive decision tool

State range checker

Test the requested amount against the rule summarized on this page.

1Enter→2Compare→3Verify

Amount requested$Rule maximum shown here$

Illustrative resultEnter your numbers

Provider terms and current state requirements control any offer.

Decision infographic

From state rule to final provider check

A statutory ceiling is not an approval amount.

StartState ruleProduct status and maximum.

ThenOpen loansDatabase or provider verification.

ResultEligible rangeProvider confirms the amount.

What controls the decision

State ruleApply

Open loansVerify

ProviderConfirm

3/3

Ready to compare

Inputs, provider disclosure and repayment fit must agree.

Three gates before you continue

1Lawful routeProduct allowed in the state?
2Amount checkWithin the state framework?
3Database checkOutstanding obligations verified?

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Apply the result to this decision

Use the remaining checks before moving to a provider form.

Decision table

State field	Current rule
Maximum loan	$500 or less under Missouri payday-loan law
Term	14 to 31 days
Renewals	No more than six
Aggregate cost ceiling	Interest and fees on initial loan and renewals capped at 75% under the Division’s summary
Next-business-day payoff	Borrower who repays before close of lender’s next full business day pays no interest or fees

Product scenario

Payday Hex does not infer an initial provider fee from the 75% aggregate ceiling. It loads the actual posted lender fee and separately shows the statutory ceiling across initial loan plus renewals.

Product objections / FAQ

Can Payday Hex guarantee a lender is available in this state? No. Live availability requires current provider and state-license evidence.

Are these state rules permanent? No. State law and regulator guidance can change; the page carries a source-check date and must be refreshed.

Does the maximum legal amount mean I should borrow that much? No. The affordability/paycheck tool can recommend a smaller amount or no borrowing.

Quick comparison

What the product page must answer

Decision	Look for	Stop if
Availability	State eligibility and provider identity	The creditor or license path is unclear
Cost	Amount received, required fees, APR and total repayment	Only the payment size is shown
Timing	Decision, release and bank-posting stages	“Instant” is presented as guaranteed
Repayment	Exact dates, method and late-payment consequences	The payment reopens the same cash gap

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