No, MaybeLoan is not a lender. We connect borrowers with lenders – the actual loan decision is made by the lender. There are no fees and no pressure.

Missouri Personal Loans Online

Q: Do lenders in Missouri accept bad credit?

A low credit score does not automatically disqualify you. Online lenders often consider your full financial picture – income, employment, and debt-to-income ratio – not just your score. MaybeLoan works with lenders who serve a range of credit profiles in Missouri.

Q: How quickly are funds deposited?

From submitting your form to getting funded can be as fast as 24 hours. Once approved, funds are typically deposited to your bank account within 1-3 business days.

Q: What can I use a personal loan for in Missouri?

Lenders generally do not restrict how you use the funds. Any large expense or financial goal qualifies.

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Personal Loans in Missouri

Written by Ryan Abramson | Edited by Alex Khodzinskiy | Last Updated: Oct 2026

Written by Ryan Abramson

Last Updated: Oct 2026

Here's what fees you can expect when obtaining online personal loans in Missouri:

Personal loan lending status in Missouri:	Legal
Maximum loan amount in Missouri:	Any amount for consumer installment loans (RSMo 408.100)
APR:	No statutory rate cap: rates are agreed by the parties (RSMo 408.100); loan fee up to 10% of principal or $100
Minimum loan term:	120 days, with at least four installments
Maximum loan term:	Not specified
Prepayment penalty:	Interest is recomputed or refunded on prepayment and no prepayment charge is allowed (RSMo 408.140)
State Regulator:	Missouri Division of Finance

Table Data Updated: October 2026.

Above you can see what fees you can expect when obtaining online personal loans in Missouri.

Personal Loan Locations in Missouri

Search 145 personal loan locations in Missouri by city or ZIP, or use your location to see the nearest first.

100 locations in 6 cities

ACE Cash Express

4.9★★★★☆(2247 reviews)

3655 S Grand Blvd, St. Louis, MO 63118, USA

(314) 773-1186

LendNation

4.9★★★★☆(1346 reviews)

5358 Independence Ave, Kansas City, MO 64124, USA

(816) 231-2400

Speedy Cash

4.9★★★★☆(1236 reviews)

1331 E 63rd St, Kansas City, MO 64110, USA

(816) 363-2274

Speedy Cash

4.8★★★★☆(1009 reviews)

11221 East 23rd St S, Independence, MO 64052, USA

(816) 833-1200

LendNation

5.0★★★★★(1000 reviews)

600 Linwood Blvd, Kansas City, MO 64109, USA

(816) 531-2030

LendNation

4.9★★★★☆(836 reviews)

1102 S Glenstone Ave, Springfield, MO 65804, USA

(417) 831-0025

Advance America

5.0★★★★★(835 reviews)

3517 S Noland Rd, Independence, MO 64055, USA

(816) 833-5718

Advance Loans

4.9★★★★☆(833 reviews)

1 N Oaks Plaza Suite C, St. Louis, MO 63121, USA

(314) 261-0800

AmeriCash Loans - Kansas City

4.9★★★★☆(814 reviews)

3375 Main St, Kansas City, MO 64111, USA

(816) 960-7149

LendNation

4.9★★★★☆(793 reviews)

1200 W Kearney St, Springfield, MO 65803, USA

(417) 832-0143

Also in Missouri: Payday Loans in Missouri Personal Loans in Missouri

A personal loan in Missouri is a fixed-amount loan available from a range of regulated financial institutions. Borrow from $1,000 to $50,000 and pay back over 1 to 7 years with predictable payments.

Unlike credit cards, personal loans have a fixed interest rate and a set payoff date. Use the funds for almost any legal purpose – no restrictions.

Why Compare Personal Loan Lenders in Missouri

Compare multiple lenders at once – get rates from top lenders serving Missouri with one quick form
Soft check only at comparison stage – comparing rates through MaybeLoan does not affect your credit
See the full cost upfront – know exactly what you are paying before you commit
From good to fair credit – we work with lenders for a range of credit scores
Free service – comparing is always free

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How to Get a Personal Loan in Missouri

Getting a personal loan in Missouri through MaybeLoan takes just a few minutes.

Step 1: Fill out the quick online form – takes about 5 minutes
Step 2: See your offers – lenders serving Missouri review your profile
Step 3: Pick your loan – select the offer that fits your budget
Step 4: Receive your money – typically within 1-3 business days, sometimes same day

Personal Loan Requirements in Missouri

To qualify for a personal loan in Missouri, most lenders require:

18 years of age or older
U.S. citizen or permanent resident
Active checking account in your name
Verifiable income
SSN required for identity and credit verification

Different lenders have different minimums. Prime lenders typically look for 660+. MaybeLoan works with lenders across the credit spectrum.

Personal Loan Rates in Missouri

Personal loan APRs in Missouri typically range from about 6% to 36%. Those with fair credit (580-660) typically see rates of 15-30% APR.

MaybeLoan makes it easy to see multiple offers side by side so you can find the best rate available to you in Missouri.

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FAQ - Personal Loans in Missouri

Do lenders in Missouri accept bad credit?

How quickly are funds deposited?

What can I use a personal loan for in Missouri?

What is MaybeLoan?

By Ryan Abramson Last Updated: October 2026

Ryan Abramson is an independent financial consultant with 20+ years in banking and consumer credit. He has held senior roles at two U.S. banks, advising clients on lending products, credit risk, and personal finance strategies. Ryan holds dual degrees in economics and finance. His writing on MaybeLoan focuses on helping borrowers understand loan terms, compare lenders, and make informed decisions under financial pressure.

Edited by Alex Khodzinskiy Personal Finance Editor & Fintech Strategist

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