Missouri Terms and Rates

  • Governing Law

    The Payday Loan Agreement will be governed by applicable laws of the State of Missouri. Questions and complaints should be directed to this State Regulatory Agency by clicking here.

  • Maximum Payday Advance

    The maximum Payday Advance in the State of Missouri is $500.00.

  • Terms

    The maximum loan term in the State of Missouri is 31 days.

  • Extensions

    The State of Missouri allows up to 6 extensions. Each extension must include a payment of the interest due and a 5% reduction of the original principal. However, the aggregate total of all interest and fees, including the original, may not exceed 75% of the original loan amount.

  • Rate Chart


Customer Notice: Payday advances are typically for two-to four-week terms. Some borrowers, however, use payday advances for several months, which can be expensive. High-interest loans such as Payday Advances should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.

Approval depends upon meeting legal, regulatory and underwriting requirements. EZ Money and third party lenders may, at their discretion, verify application information by using national databases, including but not limited to Lexis Nexis, that may provide information from one or more national credit bureaus, and EZ Money may take that into consideration in the approval process.

EZ Money, at its discretion, may verify application information by using national databases, including but not limited to LexisNexis, that may provide information from one or more national credit bureaus, and EZ Money may take that into consideration in the approval process.

Products or services offered to customers may vary based on customer eligibility and applicable state or federal law. Actual loan amounts vary. EZ Money is currently operating in: Iowa, Missouri, Nebraska, and North Dakota,.

For specific rate and term information in each state you can click on the above link for the specific state of your choice.

EZ Money is licensed by the Iowa Division of Banking under Iowa Code, Chapter 533D. EZ Money is licensed by the Missouri Division of Finance under Missouri CSR 408.500.1. EZ Money is licensed by the Nebraska Department of Banking and Finance under the Nebraska Revised Statutes, Chapter 45, ยงยง 45-901 to 45-930. EZ Money is licensed by the North Dakota Division of Finance under North Dakota Century Code Chapter 13-08.

Payday Advances are also commonly referred to as Cash Advances, Payday Loans, Post-Dated Checks, Delayed Deposit Loans, and Deferred Deposit Loans.