Loan Ridge makes installment loans of up to $2,000 to Missouri residents. You repay in monthly payments over up to 12 months. We are a state-licensed direct lender in Missouri, and the application uses a soft inquiry, so it does not affect your FICO score.
Applying does NOT affect your FICO® credit score!
A single repayment date is hard on a tight budget. An installment loan splits the cost across several months, so each payment is smaller and the schedule is known on day one. For a car repair, a medical bill or a move, that is often easier to plan than one lump sum.
Loan Ridge loans are unsecured. You do not put up a car or a home as collateral.
You must live in Missouri. Loan Ridge lends only in Texas, Missouri and Utah. You also need to:
You can apply with a joint application. Approval is never guaranteed and the offer depends on our underwriting.
Borrow up to $2,000. Repay monthly over up to 12 months, with each payment withdrawn automatically from your bank account. Our Missouri example on the Missouri page also shows a bi-weekly schedule for people who prefer smaller, more frequent payments.
You can pay extra or close the loan early with no added fees. We report your payment history to the three major credit bureaus, and on-time payments may improve your score.
We only perform soft inquiries when we review applications. A soft pull does not appear on your credit history as a hard inquiry, and applying does not affect your credit score. If you are comparing offers, this means you can ask without paying for it in points.
Rates, fees and terms vary and are disclosed in writing before you accept any loan. The worked example on the Missouri page shows what a $1,000 loan looks like over monthly payments, along with the maximum APR we offer. Read it before you apply.
Loan Ridge is licensed in Missouri and examined by the Missouri Division of Finance. The regulator details and the registry link are on the same page. For a comparison with other loan types, see our pros and cons of different loans.
Start with the bill you need to cover and work backwards. If it is $800, you do not need to borrow $2,000. Pick the smallest amount that solves the problem, then check that the monthly payment fits your budget after rent and utilities. A smaller loan costs less and ends sooner.
If you are not sure which loan type fits, installment loan examples and types shows common uses, and personal versus installment loans explains the difference.
Plan on about two minutes. Gather:
After you are approved, you e-sign the contract and the funds go to your account by direct deposit.
Is the lender licensed with the Missouri Division of Finance? Who funds the loan? What is the total I repay? Can I pay it off early? Ask for the answers in writing, compare them with another offer and take your time. Our lender safety guide lists what else to check.
You will get an email notice. Open the contract, read it fully, and sign it electronically if the terms work for you. After signing, the funds are sent to your bank account by direct deposit. Your first payment and the schedule that follows are listed in the agreement.
Keep an eye on your account balance before each due date, since payments are withdrawn automatically. If you plan to pay early, go ahead. No extra fee applies.
Fill out your application online. Once you're approved, we'll send you an email notification shortly after.
When you receive your approval email, simply sign your contract with the click of a mouse and you're all set.
Once your contract is signed, you'll get your funds deposited directly into your bank account.
A loan you repay in regular monthly payments over a set period. Loan Ridge loans go up to $2,000 with repayment over up to 12 months.
No. Loan Ridge loans are unsecured, so you do not use your car or home as collateral.
No. We only run soft inquiries when reviewing applications.
Yes. You can make extra payments or pay in full at any time, and no extra fees apply.
Through a pre-authorized payment plan. Payments are withdrawn automatically from your bank account when due.
What our clients say.
I love this place I don’t have to worry about filling out the same paperwork over and over. They fund the same day and very quick and easy
Great service Karin was fast and very helpful
Exceptional help
Erica was courteous and very thorough
Karin H. was very helpful in explaining the terms and how things work. I am very appreciative of the help.
I like this service
That was a pleasure to talk to thus agent Erika
Everything was great and easy thank you Erika
Quick and easy, friendly staff!!
It was fast and easy
I cannot say enough good things about Loan Ridge! From my experience, they have been absolutely wonderful to work with. They are super sweet, understanding, professional, and genuinely willing to work with you. It is such a relief to deal with a company that treats you like a person instead of just another account number. One of the things I appreciate most about Loan Ridge is how easy and convenient they make everything. If I ever need to skip a payment or have a question about my account, I can simply send them an email. They are very accommodating and make the process so easy without having to spend time sitting on the phone or dealing with a complicated process. Being able to handle everything through email is a huge plus for me! I also appreciate that after making several on-time payments, I can reach out to ask about borrowing a little more money. They are easy to communicate with, and I love being able to email them and discuss my needs. Having a company that is willing to listen, communicate, and work with its customers makes such a difference. Life happens, and sometimes unexpected expenses come up. It means a lot to have a company that understands that things are not always perfect and is willing to work with you when you need a little flexibility. I truly appreciate the kindness and consideration they have shown me. Customer service can make or break a business, and Loan Ridge has made my experience a positive one. They are friendly, responsive, helpful, and easy to work with. I never feel like I am being treated poorly for asking a question or explaining my situation. That kind of customer service is hard to find these days! If you are looking for a loan company that is easy to communicate with and has a team that treats you with kindness and respect, I would definitely recommend giving Loan Ridge a look. I am grateful for how they have worked with me, and I hope they continue providing the same wonderful customer service to others. Thank you, Loan Ridge, for being so sweet, understanding, and accommodating. You have definitely earned my five-star review!
Very polite and respectful and helpful!!
Very helpful
Erica was amazing and had the upmost hospitality and she made this experience smooth sailing
I was really searching for a little help and Karin from ridge helped me when I needed it! Thanks karin!
Very responsive to questions
I was having trouble with the app but once I called the number Erica was there to help, she made it easy to get the app done and money was in my account fast....
Sandra Newman was extremely helpful and provided answers quickly.
Sandra was a BIG help!!!! She made the whole process so smooth and easy!!!! 10/10 highly recommend!!!!
Fast! Easy! Super convenient! Thank you!!
It was a very quick easy process....got funded the same day. The representative that assisted me was very pleasant. ..her smile came through the phone. She explained everything to me very well.this was an enjoyable experience when you need emergency cash.
I love working with Sandra. I don’t have to do much. She makes it easy to get the funds that I need when I’m in a bind .. thank you for all you all do. She’s a great Associate.
Everything was fast & easy! Erica was great and answered all my questions & concerns!
Very pleasant easy to speak with
You can apply online from anywhere in Missouri. Many borrowers apply from:
Looking for the full picture? Our Missouri page has the licence details and every loan type we offer.
Money in your pocket when you need it. Apply for an installment loan in Missouri today.