Rates and Terms

Missouri Standard Fee Rates

We offer installment loans with the following Annual Percentage Rates (APRs):

  • 599%
  • 549%
  • 499%
  • 449%

Annual Percentage Rate (APR) Examples

Example loan disclosure provided:

  • APR: 599%
  • Amount Financed: $300.00
  • Finance Charge: $562.70
  • Total Payments: $862.70

Payment Schedule Example

5 monthly payments beginning 06/13/2026

  • Four (4) payments of $172.53
  • One (1) final payment of $172.58 due 10/13/2026
Payment No.DatePayment AmountPrincipal AllocationInterestRemaining Balance
106/13/2026$172.53$22.78$149.75$277.22
207/13/2026$172.53$34.15$138.38$243.07
308/13/2026$172.53$51.20$121.33$191.87
409/13/2026$172.53$76.75$95.78$115.12
510/13/2026$172.58$115.12$57.46$0.00
 Totals$862.70$300.00$562.70$0.00

Inception / Origination Fees

We do not charge inception fees or origination fees.

Standard Loan Terms

We offer installment loans.

Standard repayment structure:

  • Monthly payment schedule
  • Fixed payment amounts
  • Fully amortizing repayment structure over the loan term

Example term shown:

  • $300 loan repaid over 5 monthly payments

Separate Fee Breakdown by Loan Product

Installment Loan Product

  • Loan Type: Installment Loan
  • APR Options: 599%, 549%, 499%, 449%
  • Origination Fees: None
  • Finance Charges:
    • Example: $562.70 finance charge on a $300 loan
  • Payment Frequency: Monthly
  • Example Total Repayment:
    • $862.70 total repayment on a $300 loan at 599% APR
 

MISSOURI STATE AGENCY



Missouri Division of Finance

Truman State Office Building, Room 630, Jefferson City, MO 65102
Please call us at 888-554-8217 and your Loan Officer will provide you of the exact rate, fee and payments for your loan.

If you make all your payment on time as reflected in the payment schedule, you will pay off your loan on the final payment.

MISSOURI DISCLAIMER


The payment schedule above is an example of a $600 bi-weekly loan. The rates and fees you will be charged will vary by state and based on your qualifications. Please review your loan documents for your rates and fees, before signing the loan documents. If you have any questions please contact us.

Now that you understand the rates and terms of your state, it’s time to apply