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.