You may need an online loan for a number of reasons. At Loan Ridge, it doesn’t matter why you need a loan, we've got you covered with our easy and convenient online loans in St. Joseph, Missouri service. An online loan is a type of personal loan that lets you complete the borrowing process without ever setting foot inside a lender’s office or bank branch. There is no fine print and no hidden conditions. Just money in your pocket when you need it most.