Online Installment & Payday Loans in St. Louis, MO
15M Finance helps St. Louis residents get quick financial assistance till payday within 24 business hours. You’re welcome to visit us at 3738 Chouteau Ave suite 150, St. Louis, MO 63110, or apply online 24/7 via the website. The whole process takes just a few minutes. Our no credit check loan options allow you to get the money you need on the next or same day, even with bad credit.
About 15M Finance in St. Louis
15M Finance has an open-now physical branch conveniently located at 3738 Chouteau Ave suite 150, St. Louis, MO 63110, near the City Cottage on Chouteau. Customers can take advantage of free parking and equipped reception that ensures your comfortable visit. Our team is here to help you find a suitable financial solution for various life events. Come visit us today and enjoy the customer service you deserve. You can also call us at (314) 876-0539 for more information or store directions.
Monday – Friday: 8:00 am to 7:00 pm
Saturday: 10:00 am to 6:00 pm
Sunday: Closed
How It Works
You can get a payday loan via 15M Finance in just three simple steps:
Simple application. Complete a loan request form with your personal and financial details online or in a store. It usually takes as little as 5 minutes.
Instant approval. Your information will be verified in a matter of minutes, with no hard credit check involved. You will get a guaranteed approval decision within 1 hour or less.
Funding. If approved, review the final terms and sign the loan agreement. The money will be deposited into your active bank account in as little as 1 business day or on the same day.
What Do You Need to Apply for a Payday Loan in St. Louis Store?
Get ready for your visit and prepare the following documents in advance:
Valid government-issued ID; Social Security number; Proof of address: utility bills, rent or mortgage agreement; Bank account number and routing number; Proof of stable income: pay stubs, bank statements, tax returns; Your employer’s contact details.
Rates & Terms
Missouri law strictly regulates payday loans to make them more affordable for state residents. As a legit company, 15M Finance fully complies with the state regulations. Here are details of our payday loans in St. Louis:
Loan amount: up to $500; Repayment terms: 14 to 31 days; APR: an average of 443%; Finance charge: up to 75% of the initial loan amount; Renewals: up to 6 rollovers are allowed, provided that a borrower will lessen the principal loan amount by 5% before every renewal.
Representative Example
Suppose that you borrow $300 for 14 days with a finance charge of $15 for each $100 obtained. The total amount you need to repay by the due date is $345. Your APR will be 391.07%.
15M Finance Products and Services
15M Finance offers top-rated financial products tailored to various customers’ needs. Choose the one that suits your current situation.
Payday Loans
Get up to $500 to cover your short-term needs regardless of your credit score. You can get the money within just 1 business day and use the funds for any urgent personal needs. No collateral is required and no hard credit checks involved.
Installment Loans
An installment loan is an unsecured loan that will help you cover your longer-term needs or split the cost of a big purchase by several months or years. Borrow up to $5,000 and repay the funds within up to 24 months. You only need to prove you can repay the amount you borrow.
Title Loans
Get up to 40% of your vehicle's estimated market price by using the car as collateral. The repayment should typically be made within 30 days. You can still drive your car while it's pledged.
Check Cashing
Turn your check into cash with no checking account needed. Our store allows you to get money quickly and at a fair cost with only your ID needed.
Find Our Location Nearby
15M Finance has several branches across Missouri to help as many people as possible get the financial assistance they deserve. You can also visit our store in Kansas City or fill out an online payday loan application form on our website. This way, you will get the funds without even leaving your home.
Not in Missouri? It’s not a problem! Explore our locations in other states and choose the nearest one to plan your visit.
Be Aware of Payday Loan Risks
Payday loans may seem a smart solution for your financial emergencies. Still, they come with short repayment terms and high costs, making them burdensome for your budget. Thus, borrowers may find themselves in a debt cycle that is hard to break. If you already experience financial problems, it’s recommended to refrain from borrowing and consider alternative ways of getting money fast.
Only borrow what you really need and be realistic about your loan purpose. Make sure it’s a necessity, and you have no other options to turn to. 15M Finance reminds you that being responsible when taking out loans is the key to your financial health and a positive borrowing experience.
Why Choose 15M Finance
15M Finance is your reliable ally when it comes to small loans. Our core goal is to help Missouri residents get back on their feet again quickly when they need it most. Here’s what sets us apart:
Easy application. Whether you apply online or visit our store, there’s a hassle-free loan process you can complete in less than 5 minutes; Customer-centered approach. We put our client first and do our best to help them find an option that suits their unique needs; Loan options for any credit. You’re more than just your credit score to us. We accept borrowers with any ratings and are not focused on their past financial mistakes; Emergency assistance. Approved borrowers usually get their loans within 1 business day. Same day funding is possible for those approved before 10:30 AM on weekdays; Safety. We use modern security protocols to protect your data and don’t share your personal details with non-affiliated third parties.
FAQ
How much can I get with a payday loan in St. Louis?
Payday loans available through 15M Finance allow you to get up to $500, which fully complies with Missouri laws.
What are payday loan eligibility requirements?
You typically need to reach at least the age of 18, be a US permanent resident, and have a stable source of income, a valid bank account, an active email, and a cell phone number. You also need to provide supporting documents to confirm the information provided. Additionally, there may be certain minimum income requirements, depending on the amount you borrow.
How fast will I get a payday loan?
Most borrowers receive their loan funds within 1 business day of approval. Same-day funding may be possible if you get approved before 10:30 AM on weekdays.
Can I get a payday loan with bad credit?
Sure! 15M Finance has no minimum credit score requirements. Still, you need to demonstrate your repayment capabilities to qualify for a loan.
How will I repay my loan?
The repayment is usually made via an electronic withdrawal directly from your bank account. Make sure there’s enough money on your balance on the due date to avoid late fees.
Can I get a payday loan with no job?
Unemployed borrowers can qualify if they have an alternative source of income they can verify, for example, self-employment.
What if I can't repay a loan on the due date?
You need to contact your lender immediately and ask about the options available. They may offer you a rollover or provide a flexible repayment plan. Just keep in mind that this may involve extra fees.
How much do payday loans cost?
Missouri laws apply a 75% cap on interest and fees on the initial loan amount and renewals. Lenders are not allowed to charge you more than the limit set by law.
