Emergency loans in St. Louis Missouri for paying bills
Emergency loan options in the St. Louis, Missouri area include private lenders and a limited number of nonprofit or credit-union based organizations. These loans are typically used (and only should be considered, if ever) as a last resort to cover urgent expenses when no other assistance is available, such as from the government or a charity. Most of the lenders listed below operate storefront locations throughout the City of St. Louis and the St. Louis County area, with some also offering online applications.
Many of these loans available, and lenders that offer them, are short-term and high-cost. Among the potential costs to a borrower, also be aware of any fraudulent promises or scams as our guide to them details. In addition to potential costs and fees that may be involved from these lenders, applicants with less than ideal credit scores or no-credit at all may be at risk of even more fees.
Payday loans, title loans, and pawn loans often carry significant fees and interest charges, even when state of Missouri or local St. Louis area limits apply. This is why exploring alternatives such as the Community Action of Saint Louis which tries to help, and learn more about CAASTLC in Saint Louis Missouri, should be looked into first. Approval and funding timelines will also generally vary by lender, income source, and loan type. Some borrowers may receive the money the same day, while others may not qualify at all.
This page lists emergency loan providers that operate in the St. Louis area. These companies that provide funds are not charitable grant programs and again, should be considered only as a last resort. Borrowers should understand the repayment terms, total cost, and potential risks before applying.
Main lenders in St. Louis Missouri
Many emergency loans and the lenders that issue the money that are listed on this page are designed for short-term use and can be expensive to repay. Missed payments or rollovers may increase the total amount owed and create ongoing financial strain. These options in St. Louis, or that have online applications, are typically used only after exploring other local financial assistance programs, payment plans, or nonprofit support.
Some other things to be aware of:
- It is still legal in the St. Louis area for payday lenders to charge an APR exceeding 400%.
- In addition, under Missouri law, the total interest and fees on a payday loan cannot exceed 75% of the initial loan amount.
- If a lender tries to charge more than $75 in interest on a $100 loan, it is a violation of state law.
- If a borrower defaults on a title loan, the lender can repossess the car without a court order
Central and mid St. Louis County
Advance America - 6902 Olive Boulevard, University City, MO 63130. Call - (314) 862-1678
Advance America - 1261 S Laclede Station Road, Webster Groves, MO 63119. Call - (314) 918-8979
Ardmore Finance - 8227 Olive Boulevard, St. Louis, MO 63132. Call - (314) 231-6828
ACE Cash Express - 6528 Manchester Avenue, St. Louis, MO 63139. Call - (314) 644-2654
Check 'n Go - 1415 N Grand Boulevard, St. Louis, MO 63106. Call - (314) 535-5496
Lee's Pawn & Jewelry - 4123 Dr. Martin Luther King Drive, St. Louis, MO 63113. Call - (314) 531-0200
Crystal Rock Finance - 5610 Delmar Boulevard, St. Louis, MO 63112. Call - (800) 903-7994
Loan Express Company - 2018 Olive Street, St. Louis, MO 63103. Call - (314) 652-8869
D & R Pawn & Jewelry - 7364 Manchester Road, St. Louis, MO 63143. Call - (314) 644-2411
Pawn King St. Louis - 5188 Dr. Martin Luther King Drive, St. Louis, MO 63113. Call - (314) 454-3555
Missouri Title Loans, Inc. - 1937 Shenandoah Avenue, St. Louis, MO 63104. Call - (314) 771-9137
Missouri Title Loans, Inc. - 6985 Olive Boulevard, University City, MO 63130. Call - (314) 727-0382
Missouri Payday Loans - 1701 S Kingshighway Boulevard, St. Louis, MO 63110. Call - (314) 771-7900
Missouri Payday Loans - 9826A Manchester Road, St. Louis, MO 63119. Call - (314) 962-2800
St. Louis Community Credit Union - 1321 S 11th Street, St. Louis, MO 63104. Call - (314) 534-7610
TitleMax Title Loans - 1311 N Grand Boulevard, St. Louis, MO 63106. Call - (314) 932-4995
TitleMax Title Loans - 3227 S Kingshighway Boulevard, St. Louis, MO 63139. Call - (314) 881-6164
St. Louis Community Credit Union - 7350 Olive Boulevard, University City, MO 63130. Call - (314) 534-7610
TitleMax Title Loans - 7742 Watson Road, Shrewsbury, MO 63119. Call - (314) 962-0655
North St. Louis and parts of the county
AmeriCash Loans - 10026 W Florissant Avenue, St. Louis, MO 63136. Call - (314) 867-4356
ACE Cash Express - 10016 W Florissant Avenue, St. Louis, MO 63136. Call - (314) 388-3175
ACE Cash Express - 7028 W Florissant Avenue, Jennings, MO 63136. Call - (314) 381-9100
ACE Cash Express - 10578 Page Avenue, St. Louis, MO 63132. Call - (314) 423-4949
Advance America - 10654-A St. Charles Rock Road, St. Ann, MO 63074. Call - (314) 426-7538
Cash America Pawn - 9815 Halls Ferry Road, St. Louis, MO 63136. Call - (314) 388-0118
First Cash Pawn - 3608 N Grand Boulevard, St. Louis, MO 63107. Call - (314) 535-6555
Check 'n Go - 6892 Parker Road, Florissant, MO 63033. Call - (314) 355-9393
King of Kash - 1423 Chambers Road, St. Louis, MO 63135. Call - (314) 252-3590
King of Kash - 6614 W Florissant Avenue, Jennings, MO 63136. Call - (314) 657-4332
Check 'n Go - 9016 Overland Plaza, St. Louis, MO 63114. Call - (314) 733-1115
Gateway Loan Company - 8915 Riverview Drive, St. Louis, MO 63137. Call - (314) 388-4300
Mannisi Jewelers Pawn Shop - 6200 Dr. Martin Luther King Drive, St. Louis, MO 63133. Call - (314) 385-7668
St. Louis Jewelry & Loan - 2906 Union Boulevard, St. Louis, MO 63115. Call - (314) 385-8083
Pawn Center North County - 8950 W Florissant Avenue, St. Louis, MO 63136. Call - (314) 388-4444
Missouri Title Loans, Inc. - 4976 Natural Bridge Avenue, St. Louis, MO 63115. Call - (314) 385-0808
Missouri Title Loans, Inc. - 11732 W Florissant Avenue, Florissant, MO 63033. Call - (314) 830-1022
Neighbors Credit Union - 8935 Jennings Station Road, St. Louis, MO 63136. Call - (314) 892-5400
Piazza Jewelry & Pawn - 10201 Page Avenue, St. Louis, MO 63132. Call - (314) 427-2277
Mr. Payday Loans - 10633 Page Avenue, St. Louis, MO 63132. Call - (314) 426-7501
Missouri Payday Loans - 9554 Page Avenue, St. Louis, MO 63132. Call - (314) 429-3399
Metro Pawn - 8286 St. Charles Rock Road, St. Louis, MO 63114. Call - (314) 428-3810
Rock Road Pawn Shop - 9191 St. Charles Rock Road, St. Louis, MO 63114. Call - (314) 429-0001
Missouri Title Loans, Inc. - 8900 St. Charles Rock Road, St. Louis, MO 63114. Call - (314) 426-7440
Missouri Payday Loans - 10122 St. Charles Rock Road, St. Ann, MO 63074. Call - (314) 428-2300
St. Louis Community Credit Union - 2125 Bissell Street, St. Louis, MO 63107. Call - (314) 534-7610
St. Louis Community Credit Union - 7345 W Florissant Avenue, Jennings, MO 63136. Call - (314) 534-7610
Saint Louis Loan - 10111 W Florissant Avenue, St. Louis, MO 63136. Call - (314) 524-0300
TitleMax Title Loans - 1B North Oaks Plaza, Northwoods, MO 63121. Call - (314) 385-9087
TitleBucks Title Loans - 6232 Natural Bridge Road, St. Louis, MO 63121. Call - (314) 383-4545
TitleMax Title Loans - 10568 Page Avenue, St. Louis, MO 63132. Call - (314) 890-2220
Sun Loan Company - 9004 St. Charles Rock Road, St. Louis, MO 63114. Call - (314) 427-1116
Saint Louis Loan - 9410 St. Charles Rock Road, St. Louis, MO 63114. Call - (314) 427-2700
St. Louis Community Credit Union - 1250 Graham Road, Florissant, MO 63031. Call - (314) 534-7610
Saint Louis Loan - 13080 New Halls Ferry Road, Florissant, MO 63033. Call - (314) 837-3900
South St. Louis City and County
ACE Cash Express - 3655 S Grand Boulevard, St. Louis, MO 63118. Call - (314) 773-1186
A.C. Pawnshop, LLC. - 850 Chippewa Street, St. Louis, MO 63118. Call - (314) 771-1700
Bel-Aire Pawn Shop Inc. - 7501 S Broadway, St. Louis, MO 63111. Call - (314) 832-2741
Advance America - 3861 Lemay Ferry Road, St. Louis, MO 63125. Call - (314) 416-7780
American Credit Services - 9400 Gravois Road, St. Louis, MO 63123. Call - (314) 353-3400
LendNation - 3825 S Kingshighway Boulevard, St. Louis, MO 63109. Call - (314) 353-7445
LendNation - 3704 Gravois Avenue, St. Louis, MO 63116. Call - (314) 773-7911
First Cash Pawn - 3800 Lemay Ferry Road, St. Louis, MO 63125. Call - (314) 815-3039
Key Finance Company - 4938 Christy Boulevard, St. Louis, MO 63116. Call - (314) 351-6400
King of Kash - 325 Watson Plaza, St. Louis, MO 63126. Call - (314) 966-2274
Community Quick Cash - 10214 Watson Road, St. Louis, MO 63127. Call - (314) 966-3600
LendNation - 747 Lemay Ferry Road, St. Louis, MO 63125. Call - (314) 638-5544
Southside Jewelry & Pawn Shop - 8101 Gravois Road, St. Louis, MO 63123. Call - (314) 353-1900
Neighbors Credit Union - 6300 S Lindbergh Boulevard, St. Louis, MO 63123. Call - (314) 892-5400
Missouri Title Loans, Inc. - 5517 S Lindbergh Boulevard, St. Louis, MO 63123. Call - (314) 849-6600
Quick Cash - 165 Lemay Ferry Road, St. Louis, MO 63125. Call - (314) 638-8460
Missouri Payday Loans - 3715 S Kingshighway Boulevard, St. Louis, MO 63109. Call - (314) 352-5858
OneMain Financial - 5811 Chippewa Street, Suite A2, St. Louis, MO 63109. Call - (314) 752-4581
St. Louis Community Credit Union - 4435 Chippewa Street, St. Louis, MO 63116. Call - (314) 534-7610
TitleMax Title Loans - 2629 Gravois Avenue, St. Louis, MO 63118. Call - (314) 881-3975
Title Cash of Missouri - 4655 Gravois Avenue, St. Louis, MO 63116. Call - (314) 375-5273
Title Cash of Missouri - 4237 Bayless Avenue, St. Louis, MO 63123. Call - (314) 631-3322
TitleMax Title Loans - 10415 Watson Road, Sunset Hills, MO 63127. Call - (314) 686-6050
Metro east St. Louis (IL) and St. Charles County area
American Credit Services - 2971 N St. Peters Parkway, St. Peters, MO 63376. Call - (636) 787-7894
Brother Loan & Finance Company - 327 Missouri Avenue, Suite 504, East St. Louis, IL 62201. Call - (800) 850-8599
Ardmore Finance - 1223 Madison Avenue, Madison, IL 62060. Call - (618) 451-1223
Check Into Cash - 6105 Ronald Reagan Drive, Lake St. Louis, MO 63367. Call - (636) 625-0562
Check Into Cash - 3224 Nameoki Road, Granite City, IL 62040. Call - (618) 451-5220
LendNation - 1238 Camp Jackson Road, Cahokia, IL 62206. Call - (618) 337-2200
Illinois Title Loans, Inc. - 540 W St. Louis Avenue, East Alton, IL 62024. Call - (618) 259-3189
Crystal Rock Finance - 327 Missouri Avenue, Suite 300, East St. Louis, IL 62201. Call - (800) 903-7994
Missouri Payday Loans - 2196 1st Capitol Drive, St. Charles, MO 63301. Call - (636) 949-8008
Missouri Payday Loans - 3491 Nameoki Road, Granite City, IL 62040. Call - (618) 451-8000
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