installment loans springfield mo

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installment loans springfield mo

Do You Need a Title or Payday Loan in Springfield, Missouri?

An OppLoans Guide to Getting The Help (and The Loan) You Need

Springfield, Missouri is a place that has all of the energy and amenities of a big city with the comfort and quality of life of a smaller town. But that quality of life isn’t the same for everyone in Springfield. There are people who live on the brink of a financial emergency. The loss of a job, sudden illness or just lack of income can cause some in Springfield to have trouble making ends meet. An unexpected financial hardship can make it tough for some people to provide for their family or even just pay rent. If you don’t have a credit card or can’t get a loan from a bank, it may seem like there’s no way out of a desperate financial situation. But thankfully there are organizations in Springfield dedicated to helping people out of these tough situations.

Serious financial trouble can be caused by anything from a necessary but costly home repair, to something more serious like addiction or homelessness. There are programs and services in Springfield that can help when you need it most. Some of those resources are listed below.

Every day there are people in Springfield who face losing their home through foreclosure. And other people have trouble finding an affordable place to live. But thankfully there are organizations that can offer assistance in Springfield. The list below offers some resources that can help if you’re facing foreclosure, can’t pay rent or having some other housing crisis:

The Springfield Housing Authority provides information on how to get affordable housing for low income families and individuals.

U.S. Department of Housing and Urban Development of Missouri offers information and counseling on getting rental help, avoiding foreclosure and more.

In a perfect world, everyone would have a home. But sadly, there are people who go without shelter every day and night in Springfield. If you’re homeless or might soon become homeless, you are not alone, and there is help for you in Springfield. Below is a list that contains some of the organizations in Springfield that offer shelter, food and more:

FoodPantries.org provides a comprehensive directory of locations where food is served to those in need.

Harmony House provides emergency shelter for women and families who have been victimized.

Shelterlistings.org offers a list of housing resources such as homeless shelters, halfway housing, transitional housing, day shelters, low-income housing, and residential alcohol and drug treatment centers.

All addictions can ruin relationships and careers, but a gambling addiction can be especially financially harmful. If you or a loved one is struggling with a gambling addiction, there are organizations and programs that can help. The list below contains some of those resources available in Springfield:

Gamblers Anonymous has hotlines and meetings all over the United States, including Springfield, to help with your addiction.

Gam-Anon provides information and help for the families and loved ones of problem gamblers.

Addiction takes a toll on relationships, careers and finances. Alcohol and substance abuse can be damaging to the person who is addicted and also that person’s loved ones. But addiction is treatable. There are organizations in Springfield that specialize in treating substance abuse. Get the help you deserve:

Alcoholics Anonymous has information on their site as well as a search function so that you can find meetings near you in Springfield.

The Southwest Missouri Area of Narcotics Anonymous offers a regularly updated listing of meetings in and around Springfield for people struggling with drug addiction.

American military veterans serve our country and we are forever in their debt. But sadly, veterans are 50% more likely to become homeless than the average American. (1) But fortunately there are organizations in Springfield that are here to assist veterans and get them the benefits they deserve. If you’re a veteran and you’re struggling with addiction, unable to find employment, homeless or in danger of becoming homeless, help is available in Springfield. The list below contains some resources for veterans in the city:

The Springfield Vet Center provides health care services for former military members in the area.

The VA provides information about veterans’ benefits including disability compensation, healthcare, employment services and more.

Loss of a job, a car accident or an unexpected illness can all spell financial emergencies for many. You may need a little help to make ends meet in situations like these. The programs below offer temporary financial assistance for paying rent, bills or providing food for your family:

The Missouri Department of Social Services offers the Temporary Assistance for Needy Families program which provides cash assistance to families in need.

The Missouri Department of Social Services contains information on how to qualify for food stamps.

There are resources designed specifically to assist the needs of senior citizens in Springfield. The links below offer information that can assist the aging population of Springfield:

The Missouri Aging Information Network provides information on how to access assistance for senior citizens in the Springfield area.

The Missouri Department of Health and Senior Services offers a comprehensive directory of programs available to assist seniors in Springfield.

Borrowing Money in Springfield

Maybe you need cash for another reason altogether. And maybe you’ve decided that a loan is your best course of action. Loans are available online or at Springfield storefront lenders that can be found all over town. But be careful, some of these loans can be quite risky.

Often times, these loans have high interest rates and fees attached to them. Instead of solving your financial problems, these loans can potentially leave you in worse financial shape than ever before. There are three particularly risky loans available to borrowers. Before taking out one of these loans, know The Truth about Payday, Pawnshop, and Car Title Loans.

Quick cash at a high cost.

Payday loans offer cash quickly, but these loans are often considered to be predatory in nature. Payday loans are available online and through storefront lenders in Springfield and the surrounding area. These loans are typically for relatively small amounts of cash that the borrower repays with their next paycheck. The borrower will provide a post-dated check or bank account information so that the lender can be paid on time. The truth about these loans is that they often prey on people in low income communities.

Review the Payday Loan Consumer Information site for facts and consumer help about payday loans and the laws that govern them from state to state. For example, the laws in the “Show Me” state are more lenient toward payday lenders than in many other states. In Missouri, you can borrow as much as $500 and be charged an astounding 1,950% APR on a 14-day payday loan. In addition, lenders can charge a $75 fee for a $100 loan. (2)

It’s easy to see how Missourians often get trapped in these loans. And payday lenders can make even more money when customers “rollover” their loans. Rollover is when a customer doesn’t pay their loan back in time and has the due date extended for an additional fee. In many states, rollover is illegal, but not in Missouri. A payday loan borrower can rollover their loan up to six times in Missouri. 2

If you have a question or complaint about a payday loan, contact the Missouri Division of Finance or the Consumer Financial Protection Bureau at 855-411-2372.

Why risk your vehicle for quick cash?

Another loan option in Springfield is an auto title loan. A title loan means someone borrows money using their car title as collateral, so that the lender holds the car title for the life of the loan. If the borrower cannot repay the loan, the lender can take their car and sell it to make their money back. This process is referred to as “repossession“. These loans put you at risk of losing your car. And in Missouri, title lenders thrive.

Many states heavily regulate title loans, but in Missouri this isn’t the case. There are few laws that govern title lenders in the state. For example, there is no limit to how high interest rates can be for title loans in Missouri, meaning lenders typically charge at least 300% APR. At this rate, borrowers pay 25% interest per month. Rollover is illegal in many states, but in Missouri a borrower can rollover their title loan twice. (3)

If you have any questions or complaints about a title loan, contact the Missouri Division of Finance or the Consumer Financial Protection Bureau at 855-411-2372.

Put your valuables at risk for a small loan.

Springfield has its share of pawn shops. A pawn shop is a good place to pick up used items like instruments and old electronics. But you may not know that pawn shops offer short term, high interest loans.

To “pawn” an item is to give it to a lender as collateral to hold in return for a cash loan. If you have a fairly valuable item laying around at home, chances are you would be able to pawn it. And the cash loan you would receive would likely be for a percentage of the item’s real value. Pawn shop loans are repaid (plus interest) at an agreed upon date. Failure to repay a pawn shop loan means that the lender can sell your pawned item to recoup their funds. (4)

Pawn shops may offer fast cash loans, but they have big risks. You risk losing your valuables. Though the maximum monthly interest rate for pawn shop loans is 2% in Missouri, the additional fees can make these loans quite costly. (5)

These loans may be less expensive than payday or title loans but that doesn’t mean they are totally safe. If you’re considering a pawn shop loan, check out these tips for buying and selling at a pawn shop. Find out all of the risks and benefits of pawn shop loans.

Personal Installment Loans in Springfield

Build your credit with a fast, safe and affordable loan.

A safer alternative to fast cash is a personal installment loan from OppLoans. Our cash loans start at $1,000 and are as high as $5,000 with fixed interest rates that are typically 70-125% lower than other personal lenders. You can get repayment plans from 6-36 months, so you can find a plan that fits your needs. We at OppLoans strive to give you fast, flexible, five star service.

  • Fast: Apply online and find out if you’re approved in minutes. Once approved you can get your cash as early as the next business day.
  • Flexible: We offer longer terms, larger loans, and affordable, fixed payments. Your monthly payment will be the same throughout the life of the loan.
  • Five-Star: Customers rate us 4.9 out of 5 stars for our friendly service. We also provide discounts for credit education.

OppLoans offers personal installment loans from $1,000 to $5,000 and the flexibility of paying them back over 6 to 36 months. We’ll work with you to provide affordable payment options that fit into your monthly budget. We will never charge prepayment, origination or application fees. In addition, our interest rates are usually 70-125% less than other personal loans.

For questions about OppLoans rates, terms, and eligibility contact the OppLoans Support Team by phone at (800) 990-9130, Monday – Friday 7am to 7pm or Saturday 9am to 4pm central time. Or email us at [email protected]

*OppLoans is not affiliated with any of the programs, services or organizations referenced on this page.

Store Hours

Products and Services in Springfield

What You Need to Apply for an In-Store Loan in Springfield

  • Meet Our Trusted Staff At Check `n Go Sunshine

    Recent Reviews about Check `n Go Sunshine

    Hours of Operation for Online Customer Service

    Monday – Friday 8am – 8pm (ET) Saturday 9am – 4pm (ET) Sunday Closed

    7755 Montgomery Road Cincinnati, OH 45236

    Customer Notice: Payday Loans are typically for two-to four-week terms (up to six months in IL). Some borrowers, however, use Payday Loans for several months, which can be expensive. Payday Loans (also referred to as Payday Advances, Cash Advances, Deferred Deposit Transactions/Loans) and high-interest loans should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction. See State Center for specific information and requirements.

    Check ‘N Go OH License #SM.501663, #CS.900077, and #CC.700416. Rhode Island licensed check casher. California operations licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law and the California Financing Law. Texas and Ohio originate by a third party lender, restrictions apply. Eastern Specialty Finance, Inc., D/B/A Check ‘N Go is licensed by the Delaware State Bank Commissioner pursuant to 5 Del. C. sec. 2201 et. al., and expires 12/31/2018.

    Check `n Go Online is not a direct lender in Texas and Ohio, where instead it acts in the capacity as a Credit Services Organization in conjunction with NCP Finance Limited Partnership as the direct lender for both in-store and online loans. Integrity Texas Funding also acts a direct lender in Texas for in-store loans only.

    *Approval depends upon meeting legal, regulatory and underwriting requirements. If approved, online loans are funded the next business day. All times and dates are based on Eastern Standard Time (EST). Check `n Go and third party lenders may, at their discretion, verify application information by using national databases that may provide information from one or more national credit bureaus, and Check `n Go or third party lenders may take that into consideration in the approval process.

    We do not report credit in Ohio.

    Products or services offered to customers may vary based on customer eligibility and applicable state or federal law. All available products subject to applicable lender’s terms and conditions. Actual loan amounts vary. See State Center for specific information and requirements.

    Check `n Go currently operates online in: Alabama, California, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Kansas, Maine, Michigan, Mississippi, Missouri, Nevada, New Mexico, North Dakota, Ohio, Oklahoma, Texas, Utah, Wisconsin, and Wyoming.

    Check `n Go currently operates in store locations in: Alabama, California, Delaware, Florida, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Mississippi, Missouri, Nebraska, Nevada, New Mexico, Ohio, Oklahoma, Rhode Island, Tennessee, Texas, Utah, Wisconsin, and Wyoming.

    © 2018 Check `n Go. All rights reserved. 7755 Montgomery Road Cincinnati, OH 45236.

    Springfield, MO 65807

    Loans, Tax Preparation, Auto Club

    Have a question, comment, or complaint?

    © Copyright 2018 Sun Loan Company. All rights reserved. * Loan amounts differ by location.

    Offers featured via a paid Google advertisement contain rate quotes of no greater than 35.99% APR with lengths from 24 to 48 months with no term less than 24 months. Sun Loan Company personal loan amounts typically range from $2,000 to $5,000. Your actual rate depends upon loan amount, loan term, credit usage and history and will be agreed upon between you and the lender. The disclosures are presented pursuant to the terms and conditions of our service agreement with GOOGLE, Inc. They are not required by any federal, state, or local laws. They are provided as informational services only and may not be construed as legal advice.

    Payday Loans, Installment Loans, and Online Installment Loans are available in Springfield, Missouri.

    Advance America Store #5755

    2639 North Kansas, Springfield, MO 65803

    Advance America Springfield Has the Money You Need

    Whether you're looking for a Payday Loan or Installment Loan to get you through until your next paycheck, Advance America Springfield is the place for you. Advance America is a nationally recognized, fully licensed financial company that helps millions of people every year. Our services include: Payday Loans, Installment Loans, Online Installment Loans, MoneyGram Services and Visa Prepaid Cards.

    Select a Service Below to Start an Application or View Information:

    If you need a little extra money before your next paycheck, try a Fast & Easy Cash Advance. We’ll help you get the money you need today. So you can keep moving forward.

    • Get money in minutes
    • Clearly defined fees & terms
    • Simple, short-term advance
    • Also known as a payday loan

    Payday Loans from $100.00 to $500.00 in Missouri

    Our simple Payday Advance process:

    1. Fill out a quick application in-store or get started online
    2. Go to the store
    3. Write personal check for loan amount plus fee
    4. Get your loan in minutes
    5. We hold the check until your due date
    6. Return to repay loan in cash on due date and reclaim your personal check

    What to Bring for a Cash Advance or Payday Loan:

    • Government Issued ID
    • Most Recent Proof of Income
    • Personal Check
    • Latest Checking Account Statement
    • Verification of Social Security Number

    Services vary by store.

    About Advance America

    Learn about our services and what to expect from our company.

    Get money now and pay it back over time with our Installment Loans. We’re here to help you get the money you need with the flexibility to repay in multiple payments. Power On.

    • Get money in minutes
    • Clearly defined fees & terms
    • Longer payment terms than a Cash Advance
    • Pay back in smaller payments over time

    Installment Loans from $500.00 to $2,500.00 in Missouri

    1. Fill out quick application in-store or get started online
    2. Visit the store
    3. Review and sign loan agreement
    4. Get your loan in minutes
    5. Pay off your loan in installments (Your payment due dates typically coincide with your pay dates)
    • Government Issued ID
    • Latest Checking Account Statement
    • Most Recent Proof of Income
    • Verification of Social Security Number

    Services vary by store.

    About Advance America

    Learn about our services and what to expect from our company.

    Get money now and pay it back over time with our Installment Loans.

    • Get money in minutes
    • Clearly defined loan fees & terms
    • Simple, short-term advance
    • Payday loans also known as a personal loan or cash advance

    Online Installment Loans from $200.00 to $1,000.00 in Missouri

    1. Fill out quick application
    2. Review and sign loan agreement
    3. Pay off your loan in installments (Your payment due dates typically coincide with your pay dates)
    • Active checking account
    • Source of income
    • Valid Social Security Number
    • At least 18 years old
    • Have a valid and active email address

    Loan amounts in Missouri range from $200.00 to $1,000.00. The term length and number of installments will vary based on the loan amount. A fixed number of scheduled repayments will typically be due on your income/pay dates. You have the option to repay your loan by electronic bank withdrawal or remotely created checks/payment orders. We will automatically withdraw the scheduled payment amount from your bank account. You may repay your loan early without prepayment penalty and it may reduce the amount of overall interest you pay. If you make a payment late you may accrue additional interest along with a late charge.

    Advance America, Cash Advance Centers of Missouri, Inc. is licensed by Missouri’s Division of Finance pursuant to Chapter 367 of the Revised Statutes of Missouri’s Consumer Lending Law § 408.510.

    *Online applications processed before 10:30 AM ET (Monday-Friday) may be eligible for same-day funding to your bank account. Online applications processed between 10:30 AM ET and 8:00 PM ET are typically funded the next banking day, but exceptions may apply.

    We’re here for you with MoneyGram® services to make paying bills, sending or receiving money quick and easy.

    • Money Transfers
    • Money Orders
    • Bill Payment
    1. Fast, friendly service – send money in minutes
    2. Safe, secure process
    3. Convenient, reliable solutions

    Services vary by store.

    MoneyGram and the Globe are marks of MoneyGram.

    Looking for a smart way to control your finances? Go with Purpose℠. Our Purpose Visa® Prepaid Card is a reloadable card you can use everywhere Visa® debit cards are accepted. The Purpose Card℠ is loaded with helpful features and benefits.

    • No credit check*
    • FDIC–insured 1
    • Pay your bills online
    • Shop online safely and securely
    • Add up to two additional cards to manage family spending 2
    • Get paid up to 2 days faster**
    1. Register a card and activate at a location
    2. Use your card anywhere Visa ® is accepted
    3. Get your personalized card in the mail
    4. Reload your card at over 130,000 locations

    Services vary by store.

    Purpose Visa ® Prepaid Cards are issued by MetaBank™, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

    *IMPORTANT INFORMATION FOR OPENING A NEW CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third-party service providers to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, street address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. In accordance with federal regulations, until it is activated and registered, a prepaid debit card is subject to an initial load limitation, may not be used for international transactions or account-to-account transfers, or be reloaded.

    **Faster access to funds is based on comparison of traditional banking policies versus electronic direct deposit. Direct deposit and faster direct deposit capability is subject to payor’s support of the feature and timing of payor’s funding. Check with your payor to find out when the direct deposit of funds will start. While this feature is available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. See Cardholder Agreement for more details.

    1 Upon successful activation and registration of the Card Account, your funds on deposit at MetaBank™ Member FDIC, are insured 1 up to $250,000. Coverage limit is subject to aggregation of all of Cardholder’s funds held on deposit at MetaBank.

    2 $4.98 fee for each additional card. The Primary Cardholder is responsible for all fees and transaction costs incurred by the Secondary Cardholder. Secondary Cardholder must be at least 13 years of age and will be subject to ID verification. See Cardholder Agreement for details.

    [Summary] Best Personal Loans of 2017 (for Good & Bad Credit) Personal loans have many uses as well as several advantages over other types of credit. These are a few of them. Quick Decisions Normally a bank or credit union will let you know immediately if you

    Best Personal Loans of 2017 (for Good & Bad Credit)

    Personal loans have many uses as well as several advantages over other types of credit. These are a few of them.

    Normally a bank or credit union will let you know immediately if you can qualify. If you do qualify, you can often have the funds deposited in your account within 24 hours or a check delivered within a few days.

    OneMain loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university, or vocational expenses; for any business or commercial purpose; to purchase securities; or for gambling or illegal activities

    †Loan approval and actual loan terms depend on your ability to meet our standard credit criteria (including credit history, income and debts) and the availability of collateral. Loan amount is also subject to state specific maximum or minimum size restrictions. APR’s are generally higher for loans not secured by a vehicle.

    BOS - All rights reserved.

    Finance Department for Easy Credit Approval - Springfield Toyota dealer in Springfield VA - New and Used Toyota dealership Tysons Corner Fairfax Woodbridge VA

    Our finance department is focused on ensuring your fast approval with our Springfield Toyota dealership.

    Home Loans Springfield MO | Mortgage Springfield MO

    Andrew Semple - PrimeLending

    1329 East Republic Road

    Springfield, Missouri 65804

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