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Best Online Short-term Loans in St. Louis

Feeling strapped for cash and need a quick fix? Life's unexpected expenses can catch us off guard, leading to stress and financial strain. Our Best Cash Advance Short-term Loans are here to get you back on track, providing fast and easy solutions tailored to your immediate needs. No more waiting or long approval processes—just straightforward, reliable financial support when you need it the most. Take the stress out of short-term financial challenges with our trusted cash advance services today!

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Best Online Short-term Loans in St. Louis

World Finance
Loan agency
5.00
10 reviews

Address: 9254 Watson Rd, St. Louis, MO 63126

Phone Number: +1 (314) 842-2345

Services:

Business loans Installment loans Line of credit Payday loans Signature loans Title loans Auto Repair Building Credit Car Repairs Cash Advances Credit Cards Loan Payment Plan Local Loans New Loan Pawn Shop Loans Personal Finance
Archdiocesan Finance Office
Loan agency
5.00
1 reviews

Address: 4172 Delor St, St. Louis, MO 63116

Phone Number: +1 (314) 352-1433

Your Financial Solution LLC
Credit counsel
5.00
1 reviews

Address: 111 W Port Plaza Dr Suite 600, St. Louis, MO 63146

Today's Business Hours: 10:00 AM - 4:00 PM

Phone Number: +1 (855) 867-7267

Website: yourfinancialsolution.net

Services:

Credit monitoring Credit repair Debt management counseling Financial education Personal loans Credit Consulting Financial Solution Money Management program Student Loan Services
Crystal Rock Finance
Loan agency
5.00
1 reviews

Address: 5610 Delmar Blvd, St. Louis, MO 63112

Today's Business Hours: 9:00 AM - 5:00 PM

Phone Number: +1 (800) 903-7994

Website: crystalrockfinance.com

Services:

Business loans Installment loans Payday loans Title loans Car Loans Emergency Loan Loans Same Day Mortgage Loans Payment Plans Simple Loan Student Loans Term Loans
Check Cashing
Bank

Address: 3614-3600 W Florissant Ave, St. Louis, MO 63107

Advance Personal Loans
Loan agency

Address: 5976 Southwest Ave, St. Louis, MO 63139

Today's Business Hours: 7:00 AM - 7:00 PM

Phone Number: +1 (314) 804-0171

Website: advanceploans.com/locations/st-louis

Fast Payday Loans
Loan agency

Address: 1104 Olive St, St. Louis, MO 63101

Today's Business Hours: 7:00 AM - 7:00 PM

Phone Number: +1 (314) 742-3493

Website: fastpdloans.com/locations/st-louis

Preferred Capital Funding
Loan agency
5.00
4 reviews

Address: 211 N Broadway #110, St. Louis, MO 63102

Phone Number: +1 (314) 256-2686

Website: preferredcapitalfunding.com

Services:

Business loans Installment loans Payday loans Capital Funding Lawsuit Loan Legal Funding Personal Injury Lawsuit Funding Pre-Settlement Lawsuit Funding Repayment Plan
LendNation
Loan agency
5.00
4 reviews

Address: 8318 Lackland Rd, St. Louis, MO 63114

Today's Business Hours: 9:00 AM - 6:00 PM

Phone Number: +1 (314) 429-2985

Website: lendnation.com/location/mo/st-louis/8318-lackland-road-0148

Services:

Installment Loans Instant Cash Advances Instant Cash Loans Instant Debit Card Funding Loan Funding Loan Payments New Loan Online Lending Payday Loans Pre Paid Debit Cards Short-Term Loans Small Loan Title Loans
Advance Loans
Loan agency
4.90
69 reviews

Address: 1 N Oaks Plaza c, St. Louis, MO 63121

Today's Business Hours: 9:00 AM - 6:00 PM

Phone Number: +1 (314) 261-0800

Website: flexiblefinanceloans.com

AmeriCash Loans
Loan agency
4.90
83 reviews

Address: 10026 W Florissant Ave, St. Louis, MO 63136

Today's Business Hours: 9:00 AM - 6:00 PM

Phone Number: +1 (314) 867-4356

Services:

Installment loans Payday loans Title loans Auto Repairs Home Repairs Quick Cash Loans Student Loans Tax Returns Term Loans
St. Louis Loan
Loan agency
4.90
34 reviews

Address: 10111 W Florissant Ave, St. Louis, MO 63136

Today's Business Hours: 9:00 AM - 6:00 PM

Phone Number: +1 (314) 524-0300

Website: flexiblefinanceloans.com

Advance Loans
Loan agency
4.80
28 reviews

Address: 2903 N Kingshighway Blvd, St. Louis, MO 63115

Today's Business Hours: 9:00 AM - 6:00 PM

Phone Number: +1 (314) 361-7000

Website: flexiblefinanceloans.com

ACE Cash Express
Loan agency
4.80
12 reviews

Address: 10578 Page Ave, St. Louis, MO 63132

Today's Business Hours: 10:00 AM - 7:00 PM

Phone Number: +1 (314) 423-4949

Website: acecashexpress.com/locations/missouri/st-louis/2302

Services:

Bill paying Business check cashing Business loans Cash for gift cards Flex loans Installment loans Line of credit Money transfers Payday loans Personal check cashing Signature loans Title loans Ace Cash Express Services Ace Elite™ Visa® Prepaid Debit Card Atm Atm Services Auto Loans Auto Repair Car Repairs Cash Advances Cash Withdrawals Check Cashers Child Tax Credit Consumer Loans Convenient Services Credit Card Credit Cards Credit Counseling Deposit Account Emergency Cash Emergency Loans Express Online Payment Financial Services Financial Solution Home Mortgage Home Repair Id Verification Identity Verification Instant Loan Internet Loans Loan Application Loan Funding Loans Applying Online Payment Payment Processing Prepaid Debit Cards Quick Cash Quick Loans Registration Loans Revenue Service Short Term Loan Short Term Loans Online Tax Preparation Tax Services Visa Debit Cards ACE Flare Money Orders Business Services
ACE Cash Express
Loan agency
4.50
10 reviews

Address: 10004 Gravois Rd, St. Louis, MO 63123

Today's Business Hours: 9:00 AM - 7:00 PM

Phone Number: +1 (314) 638-7200

Website: acecashexpress.com/locations/missouri/st-louis/2314

Services:

Bill paying Business check cashing Business loans Cash for gift cards Flex loans Installment loans Line of credit Money transfers Payday loans Personal check cashing Signature loans Tax refund check cashing Title loans Ace Cash Express Services Atm Services Auto Loans Auto Repair Car Repairs Cash Advance Cash Advances Cash Withdrawals Check Cashers Child Tax Credit Consumer Loans Convenient Services Credit Card Credit Cards Credit Counseling Deposit Account Emergency Cash Emergency Loans Express Online Payment Financial Services Financial Solution Home Mortgage Home Repair Id Verification Identity Verification Instant Loan Internet Loans Loan Application Loan Funding Loans Applying Payment Processing Prepaid Debit Cards Quick Cash Quick Loans Registration Loans Revenue Service Short Term Loans Online Tax Preparation Visa Debit Cards ACE Flare ACE Elite Money Orders Tax Services Business Services
Brother Loan & Finance
Loan agency
4.50
2 reviews

Address: 5606 Delmar Blvd, St. Louis, MO 63112

Today's Business Hours: 9:00 AM - 5:00 PM

Phone Number: +1 (800) 850-8599

Website: brotherloan.com

Services:

Business loans Installment loans Payday loans Title loans Car Loans Financial Assistance Mortgage Loans Payment Plans Same Day Funds Student Loans
ACE Cash Express
Loan agency
4.40
21 reviews

Address: 3655 S Grand Blvd, St. Louis, MO 63118

Today's Business Hours: 9:00 AM - 8:00 PM

Phone Number: +1 (314) 773-1186

Website: acecashexpress.com/locations/missouri/st-louis/2313

Services:

Bill paying Business check cashing Business loans Cash for gift cards Flex loans Installment loans Line of credit Money transfers Payday loans Personal check cashing Signature loans Tax refund check cashing Title loans Ace Cash Express Services Atm Services Auto Loans Auto Repair Car Repairs Cash Advance Cash Advances Cash Withdrawals Check Cashers Child Tax Credit Consumer Loans Convenient Services Credit Card Credit Cards Credit Counseling Deposit Account Emergency Cash Emergency Loans Express Online Payment Financial Services Financial Solution Home Mortgage Home Repair Id Verification Identity Verification Instant Loan Internet Loans Loan Application Loan Funding Loans Applying Payment Processing Prepaid Debit Cards Quick Cash Quick Loans Registration Loans Revenue Service Short Term Loans Online Tax Preparation Visa Debit Cards ACE Flare ACE Elite Money Orders Tax Services Business Services
ACE Cash Express
Loan agency
4.40
10 reviews

Address: 6528 Manchester Ave, St. Louis, MO 63139

Today's Business Hours: 10:00 AM - 6:00 PM

Phone Number: +1 (314) 644-2654

Website: acecashexpress.com/locations/missouri/st-louis/2329

Services:

Bill paying Business check cashing Business loans Cash for gift cards Flex loans Installment loans Line of credit Money transfers Payday loans Personal check cashing Signature loans Tax refund check cashing Title loans Ace Cash Express Services Atm Services Auto Loans Auto Repair Car Repairs Cash Advance Cash Advances Cash Withdrawals Check Cashers Child Tax Credit Consumer Loans Convenient Services Credit Card Credit Cards Credit Counseling Deposit Account Emergency Cash Emergency Loans Express Online Payment Financial Services Financial Solution Home Mortgage Home Repair Id Verification Identity Verification Instant Loan Internet Loans Loan Application Loan Funding Loans Applying Payment Processing Prepaid Debit Cards Quick Cash Quick Loans Registration Loans Revenue Service Short Term Loans Online Tax Preparation Visa Debit Cards ACE Flare ACE Elite Money Orders Tax Services Business Services
LendNation
Loan agency
4.40
10 reviews

Address: 3825 S Kingshighway Blvd, St. Louis, MO 63109

Today's Business Hours: 9:00 AM - 6:00 PM

Phone Number: +1 (314) 353-7445

Website: lendnation.com/location/mo/st-louis/3825-s-kingshighway-boulevard-0522

Services:

Installment Loans Instant Cash Advances Instant Cash Loans Instant Debit Card Funding Loan Funding Loan Payments New Loan Online Lending Payday Loans Pre Paid Debit Cards Short-Term Loans Small Loan Title Loans
A-1 Check Cashing Service
Check cash
4.30
10 reviews

Address: 6711 Olive Blvd, St. Louis, MO 63130

Today's Business Hours: 9:00 AM - 6:00 PM

Phone Number: +1 (314) 862-6849

American Credit Services
Loan agency
4.30
10 reviews

Address: 9400 Gravois Rd, St. Louis, MO 63123

Today's Business Hours: 9:00 AM - 6:00 PM

Phone Number: +1 (314) 353-3400

Website: acsloancenter.com

Services:

Business loans Installment loans Payday loans Signature loans Title loans Alternative Finance Car Repairs Finance Loans Financial Assistance Individual Loan Loan Payments Repayment Plan Traditional Loan
A1 Check Cashing
Check cash
4.20
10 reviews

Address: 9361 Natural Bridge Rd, St. Louis, MO 63134

Today's Business Hours: 9:00 AM - 6:00 PM

Phone Number: +1 (314) 993-9999

Website: a1checkcash.com

Ardmore Finance Corp.
Loan agency
4.20
3 reviews

Address: 1015 Locust St Ste 740, St. Louis, MO 63101

Today's Business Hours: 9:00 AM - 5:30 PM

Phone Number: +1 (314) 231-6828

Website: moneywhenuneedit.com/saint-louis-mo-ardmore-finance

Services:

Installment loans Payday loans Signature loans Title loans Amortized Loans Car Insurance Debt Consolidation Loans Home Improvements Internet Loan Lending Services Online Loan Personal Loans Rent Mortgage Small Loans Student Loans
LendNation
Loan agency
4.10
10 reviews

Address: 165 Lemay Ferry Rd, St. Louis, MO 63125

Today's Business Hours: 9:00 AM - 6:00 PM

Phone Number: +1 (314) 638-5544

Website: lendnation.com/location/mo/st-louis/165-lemay-ferry-road-0527

Services:

Installment Loans Instant Cash Advances Instant Cash Loans Instant Debit Card Funding Loan Funding Loan Payments New Loan Online Lending Payday Loans Pre Paid Debit Cards Short-Term Loans Small Loan Title Loans
Checkmate Lending Solutions
Loan agency
4.00
1 reviews

Address: 5608 Delmar Blvd, St. Louis, MO 63112

Today's Business Hours: 9:00 AM - 5:00 PM

Phone Number: +1 (800) 711-1137

Website: checkmatelendingsolutions.com

Services:

Installment loans Payday loans Title loans Car Loans Payment Plans
OneMain Financial
Loan agency
3.50
8 reviews

Address: 379 Watson Plaza, St. Louis, MO 63126

Today's Business Hours: 9:00 AM - 5:30 PM

Phone Number: +1 (314) 966-6020

Website: onemainfinancial.com/branches/mo/saint-louis/63126/3935

Services:

Business loans Flex loans Payday loans Signature loans Title loans Auto Refinance Loans Auto Repair Loans Boat Loans Building Credit Car Purchase Loans Careers Loan Cash Out Refinance Consumer Loan Debt Consolidation Loans Emergency Loans Moving Loans Emergency Loansmoving Loans Family Support Financial Loans Financial Protection And Innovation Funeral Loans Higher Loan Home Improvements Housing Counselors Loan Calculator Loan Originated Loan Processing Medical Loans Mortgage Loan Servicer Mortgage Loans Mortgage Originated Mortgage Payment Motorcycle Loans Payment Plan Personal & Auto Loans Personal Finance Personal Loans Online Real Estate Mortgage Real Estate Mortgage Loan Repayment Plan Rv Loans Secured Personal Loans Tax Returns Total Finance Unsecured Loan Unsecured Loans Vacation Loans Wedding Loans
Preferred Capital Lending
Loan agency
2.30
3 reviews

Address: One Metropolitan Square, #110, St. Louis, MO 63102

Today's Business Hours: 10:00 AM - 6:00 PM

Phone Number: +1 (314) 256-2684

Budget Finance (Located inside Missouri Loans)
Loan agency

Address: 3715 S Kingshighway Blvd, St. Louis, MO 63109

Today's Business Hours: 10:00 AM - 6:00 PM

Phone Number: +1 (314) 351-6800

Services:

Business loans Cash for gift cards Installment loans Payday loans Signature loans Title loans Check Cashing Instant Cash Advances Instant Cash Loans Instant Debit Card Funding Money Transfers New Loan Online Lending Pre Paid Debit Cards Short-Term Loans Small Loan
Pre-Settlement Funding
Loan agency
1.00
1 reviews

Address: 1750 S Brentwood Blvd Suite 600, St. Louis, MO 63144

Website: presettlement.info

Services:

Business loans Lawsuit Funding Local Lending Pre-Settlement Funding Settlement Funding
FTL Finance
Loan agency

Address: 1215 Fern Ridge Pkwy Suite 216, St. Louis, MO 63141

Phone Number: +1 (314) 469-8951

Website: ftlfinance.com

Services:

Business loans Installment loans Signature loans Consumer Financing Customer Financing Financing Programs Home Improvement Unsecured Loans
King of Kash
Loan agency

Address: 1423 Chambers Rd, St. Louis, MO 63135

Today's Business Hours: 10:00 AM - 6:00 PM

Phone Number: +1 (314) 252-3590

Website: kingofkash.com

Services:

Business loans Flex loans Installment loans Line of credit Payday loans Signature loans Title loans Acquire Financing Auto Loans Car Loans Car Repair Credit Card Debt Debt Consolidation Loans Debt Settlement Easy Online Loan Education Loan Emergency Loan Federal Studentloans Federally Funded Loans Financial Assistance Financial Plans Higher Loan Home Equity Loans Home Improvement Loans Home Loan Calculator Home Mortgage Loans Home Projects House Financing Lease Agreements Loan Program Loan To Build Credit Loans By Phone Loans For Bad Credit Long Term Loans Low Interest Loans Manufacturer's Finance New Car No Credit Check Loans Online Lender Online Loan Request Online Personal Loans Other Private Loan Overdraft Protection Parent Loans Payment Plans Perkins Loans Personal Credit Card Personal Financials Personal Lending Plus Loans Private School Loans Private Student Loans Re Lending Refinance Your Home Refinance Your Mortgage Renovating Your Home Sba Loan Secured Loan Short Term Loans Shorter Term Loans Stafford Loans Standard Loan Subsidized Loans Take Out Loans Term Plans Traditional Credit Traditional Personal Loans Unsecured Personal Loans Used Vehicle
Deutsche Financial Services Corporation
Loan agency

Address: 655 Maryville Centre Dr, St. Louis, MO 63141

Phone Number: +1 (314) 523-2099

Kash Kwik
Loan agency

Address: 1604 S Florissant Rd, St. Louis, MO 63121

Phone Number: +1 (314) 522-9800

Wizard Capital Small Business Loans
Loan agency

Address: 3901 Canterbury Dr, St. Louis, MO 63121

Today's Business Hours: 9:00 AM - 5:00 PM

Phone Number: +1 (636) 206-6267

MO Payday Loan
Loan agency

Address: 1701 S Kingshighway Blvd, St. Louis, MO 63110

Today's Business Hours: 10:00 AM - 6:00 PM

Phone Number: +1 (314) 771-7900

Website: lendnation.com/location/mo/st-louis/1701-s-kingshighway-1717

Great Rivers Community Capital
Financial institution

Address: 1023 N Grand Blvd #204, St. Louis, MO 63106

Today's Business Hours: 10:00 AM - 4:00 PM

Phone Number: +1 (314) 456-9552

Website: justinepetersen.org

Plum Tree
Loan agency

Address: 231 S Bemiston Ave, St. Louis, MO 63105

Phone Number: +1 (314) 854-1366

I Freedom Direct Corporation
Loan agency

Address: 10805 Sunset Office Dr # 348, St. Louis, MO 63127

Phone Number: +1 (888) 589-1665

Injury Case Funding
Loan agency

Address: 12140 Lackland Rd, St. Louis, MO 63146

Phone Number: +1 (314) 446-3600

Banterra Bank - Loan Production Office Only
Loan agency

Address: 9900 Clayton Rd # E, St. Louis, MO 63124

Today's Business Hours: 8:30 AM - 4:30 PM

Phone Number: +1 (314) 942-3090

Website: banterrabank.bank

Services:

Business loans Installment loans Line of credit Microloans Payday loans Signature loans Adjustable Rate Mortgage Ag Lending Agriculture Lending Aircraft Lending Atm Services Auto Loan Aviation Lending Balloon Mortgage Cash Management Check Cashing Loan Checking Accounts Checking Savings Cds Iras And Money Market Commercial Banking Consumer Credit Cards Electronic Banking Establish Credit Financial Calculators Fixed Rate Mortgage Free Consultation Funds Transfers Guaranteed Loans Home Equity Lending Home Equity Loan Home Financing Home Mortgages Ics/Cdars Life Insurance Loan Program Marine Lending Medical Insurance Merchant Processing Mobile Banking Money Market Accounts Money Transfer Mortgage Lending Mortgage Loan New Construction New Loan Online Banking Online Loan Overdraft Protection Paycheck Protection Payment Processing Personal Banking Personal Checking Personal Credit Cards Personal Financing Personal Loan Personal Savings Physician's Mortgage Ppp Loan Forgiveness Private Banking Remote Deposit Capture Renovation Project Savings Accounts Sba Loans Solar Loan Specialized Lending Specialty Lending Telephone Banking Treasury Management

Alternatives to Short-term Loans in St. Louis

Short-term loans are financial solutions designed to provide quick funding to individuals in need. Personal short-term loans are unsecured loans that can be used for various purposes, often featuring higher interest rates and shorter repayment periods. Installment loans require borrowers to repay the borrowed amount plus interest through scheduled payments over a set period, making them a more manageable option for those who need some time to pay back the loan. Title loans, on the other hand, use the borrower's vehicle title as collateral and typically come with high interest rates and the risk of losing the vehicle if the loan isn't repaid. Each type serves different financial needs and circumstances, catering to those who may face cash flow challenges or unexpected expenses.

Best Personal Loan

POWERS Insurance and Risk Management
5.00
29 reviews

Short-term loans offer quick access to cash for borrowers requiring immediate financial assistance. Best personal loans in this category are often unsecured, meaning they do not require collateral. They are favored for their flexibility, as they can typically be used for any purpose, from covering medical emergencies to consolidating debt. Personal loans generally have fixed interest rates and predefined repayment terms, making them predictable for budgeting purposes. However, eligibility often depends on the borrower’s credit score, which can influence the interest rates and terms offered.

Best Installment Loan

Midwest BankCentre
5.00
5 reviews

Installment loans are another form of short-term borrowing that allows borrowers to repay the loan in scheduled increments or installments over a specified period. These loans are often used for significant one-time expenses such as medical bills or home improvements, as they provide the borrower with a lump sum up front. Borrowers need to be mindful of repayment terms, as defaulting on these payments can lead to financial penalties and affect credit scores. The fixed payment structure helps in planning finances better, making them suitable for those who prefer predictable payment schedules.

Best Car Title Loan

TitleMax Title Secured Loans
5.00
73 reviews

Title loans, which use the borrower's vehicle title as collateral, are another type of short-term loan, typically chosen by those who need quick cash and may not have another borrowing option due to poor credit. One of the best and widely used options for title loans is the single-payment title loan. In this type, borrowers provide the title of their vehicle and receive a loan amount that is a percentage of their car’s value. While these loans offer an easy and fast approval process, they come with high-interest rates and the risk of losing the vehicle if the loan is not repaid on time. Borrowers should ensure they can meet the repayment terms before opting for this type of loan.

Loan Regulations in Missouri

Missouri state-wide regulations govern short-term loan practices to ensure consumer protection and fair lending. The state permits a maximum short-term loan amount of $500, a measure aimed at preventing borrowers from accruing overwhelming debt. Eligibility for these loans typically involves basic requirements like proof of income and a valid bank account, with some lenders also considering the borrower’s credit history.

The loan terms in Missouri allow for a maximum duration of 31 days, offering a short-term financial solution for those in urgent need. When it comes to interest rates and fees, Missouri law specifies that lenders can charge up to 75% of the loan amount in fees and interest over the life of the loan. This regulation aims to balance the immediacy of borrowers' needs with the potential risks of short-term lending. Overall, these regulations are designed to provide a safeguarded lending environment, ensuring that short-term loans remain a viable option for residents facing immediate financial challenges in Missouri.

Short-Term Loan Calculator

day(s)
%
$

Estimated Payment

$327.12
Total Principal Paid: $300.00

Financial Charge: $27.12

Loan Term: 150 day(s)

APR: 22.00%

FAQ

What are short-term loans?

Short-term loans are types of financial products designed to help individuals cover urgent expenses. They are typically small amounts of money borrowed with the expectation of repayment in a short period, usually within a few weeks to a few months. Common types of short-term loans include short-term loans, same-day loans, and cash advances.

Can I get a short-term loan with bad credit?

Yes, individuals with bad credit can still qualify for short-term loans. Many lenders specializing in these loans focus less on credit scores and more on your ability to repay the loan. However, the interest rates on such loans may be higher to offset the risk taken by the lender. It's important to carefully assess your repayment ability before taking a bad-credit loan.

How do short-term loans work?

Short-term loans are short-term loans intended to be paid back on the borrower's next payday. They can be a quick solution for urgent financial needs but often come with high interest rates and fees. Borrowers are required to repay the loan in full when they receive their next paycheck, making it crucial to plan for repayment to avoid additional fees.

What is a same-day loan?

A same-day loan is a type of short-term loan that allows borrowers to receive funds on the same day they apply. These loans are beneficial for emergencies when immediate cash is needed. Approval processes are usually swift, with requirements varying by lender. It's essential to review the terms and conditions before proceeding with a same-day loan.

What are the risks of short-term loans?

While short-term loans can be helpful for immediate financial needs, they come with risks such as high interest rates and fees, which can lead to a cycle of debt if not managed wisely. Borrowers should ensure they can repay the loan by the due date and consider alternative funding options if possible. Failure to repay on time can negatively impact credit scores and lead to additional financial difficulties.

How much can I borrow with a short-term loan?

The amount you can borrow with a short-term loan varies by lender and your financial situation. Generally, short-term loans range from a few hundred to a few thousand dollars. It's crucial to borrow only what you need and can repay gracefully to avoid excessive debt.

What should I consider before applying for a short-term loan?

Before applying for a short-term loan, evaluate your financial situation to ensure you can afford the loan repayment. Compare different lenders for interest rates, fees, and terms. Read the fine print carefully and avoid lenders with hidden charges. Finally, consider whether alternative funding sources, like borrowing from friends, family, or using savings, can better meet your needs.

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