Were you hit with an unexpected expense? Did you forget about a bill payment? A payday loan is a short-term loan that can help you cover immediate payment needs until you get your next paycheck, typically 2 weeks. Whatever you may need a loan for, Loan Ridge has you covered with our payday loans in St. Joseph, Missouri service. We know just how long and tedious the process of getting a loan can be, that's why we have streamlined the process and made it as easy as 1, 2, 3.
Quick and easy applications for payday loans.
Complete your application in just a few minutes.
Provide your digital signature with just one click.
Once approved, we deposit the money into your account.
Let's look at an example that shows what the payday loan process in St. Joseph, Missouri looks like for borrowers. In this example, the borrower takes out a loan of $1,000 with an annual percentage rate (APR) of 295% and agrees to pay it off in monthly installments. That would mean that the borrower would pay 11 monthly installments between $238.78 - $239.74. Conversely, if the borrow took out a loan of $1,000 and agreed to pay it off bi-weekly at an APR of 291.19%, the borrower would pay it off in 23 bi-weekly installments between $122.67 - $122.68.
A payday loan is an ideal solution when you’re faced with an expense that is time-sensitive and you don’t have the money for it on hand. This loan can help you avoid the stress of having to pull out some extra cash due to an unexpected expense.
We offer flexible payback terms allow you to pay back the money in installments of up to 12 months rather than the typical 2 weeks.Whatever type of credit you may have, good or bad, do not worry. At Loan Ridge, we make it easy for you to get payday loans in St. Joseph, Missouri.
We're proud to help our clients achieve their financial goals through simplified personal loans.
With our easy application process, the money will be deposited automatically into your bank account.
Paying off your loan in regular installments can help you build and improve your credit score.
Loan Ridge is a state-licensed direct lender in Missouri. The loans are funded by Loan Ridge and are governed by all applicable laws.
You can count on the team at Loan Ridge. Get in touch today.
Here are the requirements for qualifying for an payday loan from Loan Ridge:
Our process is shorter than other lenders. Applicants can get approved within 5 minutes with us.
That is your business, our goal is to provide you with the funds needed and it’s up to you how to use them.
Yes, you can. There is no limits with us – you can make additional payments or pay back the loan in full. No extra fees will be applied.
As long as you’re eligible, you can apply for a loan as many times as you’d like.
You can still apply for a loan if you have declared bankruptcy as long as your bankruptcy status is discharged and not active.
We have customers from the following cities in Missouri:
The money will be transferred directly to your bank account or through an e-Transfer.
Loan payments are made through a pre-authorized payment plan. Payments will be automatically withdrawn from your bank account each time a payment is due.
Absolutely. You can make payments earlier than your due date, or pay more during the set due date.
All communication with us is private and confidential. We pay a lot of money for information systems that aim to protect your privacy.
There are absolutely no additional or hidden fees other than the ones set in your loan agreement.
We do accept joint applications.
If your payments are up to date and in good standing you can definitely receive a loan increase or apply for another loan.
We know circumstances in life can always change. If you think you won’t be able to make a payment, please call us immediately at 1 (888) 431-0031 and we’ll work with you to find a solution.
If you were not approved for a loan, that means you may not meet some criteria. We also consider your income, the amount of debt you carry and how much credit you have access to.
Achieve your goals through our safe and secure processes.
As newcomers, we needed a loan to get settled. We took out a quick personal loan from Loan Ridge, which helped a lot.
I needed a personal loan to cover some of my expenses, including a new car. The application process is very easy and quick.
Thanks to Loan Ridge, I was able to consolidate all my debt into one monthly payment which helped me stay on top of my finances.
I got a $2000 loan to fix my house. Applying was extremely easy and I was approved almost instantly. Thanks, Loan Ridge.
Ready to get your loan and get things moving in your life? Then start your application process.