We're committed to helping Consumers in Missouri achieve their financial goals through a safe and secure process. Start rebuilding your future with our easy and convenient loans.
Applying does NOT affect your FICO® credit score!
We're committed to helping Consumers in Missouri achieve their financial goals through a safe and secure process. Start rebuilding your future with our easy and convenient loans.
Applying does NOT affect your FICO® credit score!
An installment loan is a great way to borrow money without the stress of paying it all back at once. Instead of a single lump sum, you pay back the loan in smaller, equal scheduled payments over time. In Missouri, these loans are regulated to ensure they are fair, meaning lenders cannot charge you hidden “pre-payment” penalties if you want to pay it off early to save money. It’s a steady, predictable option for covering larger expenses like car repairs or medical bills.
Think of a Line of Credit like a credit card, but usually with cash access. You get approved for a maximum amount (limit), but you only pay interest on the specific amount of cash you actually take out. Missouri law allows licensed lenders to offer these flexible loans, giving you a safety net for ongoing expenses. You can borrow, pay it back, and borrow again without reapplying, which is perfect for managing cash flow when your income varies.
When an emergency hits, speed matters. Our Quick Loans are designed to get cash into your hands as fast as possible—often on the same day you apply. Because we are a state-licensed direct lender in Missouri, we don’t have to wait for third-party approvals. We review your application locally and fund you directly, cutting out the middleman so you can handle your emergency immediately.
A personal loan is a general-purpose loan that you can use for almost anything—from consolidating debt to fixing up your home. In Missouri, our personal loans come with clear terms and fixed rates, so you know exactly how much you need to pay each month. We look at your whole financial picture, not just a score, to help you get the funds you need to move forward.
You don’t need to drive to a physical store to get a loan anymore. Our Online Loans allow you to complete the entire process. From application to funding—right from your phone or computer. Missouri regulations specifically allow for secure digital lending, meaning your electronic signature is just as valid as a pen-and-paper one. It’s safe, secure, and the fastest way to borrow from the comfort of your home.
If you are worried that a low credit score will stop you from getting help, this option is for you. While “no credit check” often means we don’t do a “hard pull” that hurts your score, we still look at other things to approve you—like your job and income history. It’s a great alternative for younger borrowers or those rebuilding their financial history who need a chance to prove they can repay a loan.
A payday loan is a short-term cash advance meant to last just until your next paycheck. In Missouri, the law is very strict to protect you: lenders cannot charge you more than 75% of the initial loan amount in total interest and fees, and you cannot renew the loan more than six times. This prevents the debt from spiraling out of control. It’s a useful tool for small, immediate needs, provided you can pay it off quickly.
Having a few bumps in your credit history shouldn’t disqualify you from financial help. Our Bad Credit Loans focus on your current ability to repay, not your past mistakes. As long as you have a steady income and a bank account, we can often work with you. In Missouri, lenders are required to consider your financial ability to repay, ensuring we only give you a loan that fits your budget.
Apply for a loan in minutes and get your personal loan, unsecured loan, cash loan and more! Our simple, 3 step process will help you get up to $2000, so start the process today!
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.
Missouri consumer lending laws provide borrowers with specific protections while allowing for a wide variety of loan options. Unlike many states, Missouri does not impose a strict maximum interest rate cap on most general consumer installment loans. Instead, rates are generally determined by the market and the agreed-upon contract between the borrower and the licensed lender. However, all state-licensed consumer installment lenders must be registered with the Missouri Division of Finance and must adhere to strict state regulations regarding loan transparency, fee disclosures, and refund calculations.
For short-term, small-dollar loans (often referred to as payday loans of $500 or less), the state is much stricter. Missouri law caps the total accumulated interest and fees at 75% of the initial loan amount for the life of the loan and limits the number of times a loan can be renewed.
Loan Ridge is a state-licensed direct lender in Missouri. The loans are funded by Loan Ridge and are governed by all applicable laws.
Why a State License Matters to You As a licensed consumer installment lender, we are examined and regulated by the Missouri Division of Finance. This strict oversight ensures that we operate with full financial accountability and follow state consumer protection laws. For you, this guarantees transparent loan terms, strict adherence to state caps on interest rates and fees, and a secure borrowing experience directly with us. Free from the risks of unregulated lenders.
You can count on the team at Loan Ridge. Get in touch today.
Proudly Serving All of Missouri Loan Ridge provides accessible financial solutions to residents across the entire state of Missouri. From the busy streets of Kansas City to the quiet neighborhoods of the Ozarks, our fully online process means you can apply from anywhere. While we serve every zip code in the state, our most frequent borrowers come from Missouri’s largest communities, including: