Payday Loans
in Missouri

A payday loan from FLEXIcash is $50 to $500, due in full on your next payday after a minimum fourteen-day term. Apply online from anywhere in Missouri and the money goes straight to your debit card, or call into any of our four branches.

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How Much Cash Do You Need Today

You May Be Eligible For a: Loan 'till Payday
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Estimated Repayment:
$0.00
*This is only an estimate. Final loan terms will be shared after approval.

Quick Steps to Get the Cash You Need

Borrowing should not be complicated. Three steps, and we guide you through the rest.

Apply

Fill in the short application online, or call into a branch. It takes a few minutes and there is nothing to print.

Get a Decision

A real person reviews your application and gives you a decision, usually in about fifteen minutes.

Get Your Money

Approved online, the money goes straight to your debit card. In branch, you collect your cash at the counter.

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Quick and Easy Payday
Loan Applications

The same four commitments on every loan, at every branch, whether you apply online or walk in.

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  • Costs explained before you sign
  • Repayments timed to your paydays
  • Apply online, or walk into a branch
  • Licensed by the Missouri Division of Finance

Need Help? Here Is How We Serve You

Whether you apply online from home or walk into one of our four Missouri branches, the same team looks after your application from start to finish.

Unsecured Installment Loans

Borrow $500 to $800 unsecured and repay it in equal payments timed to your paydays rather than in one go. Apply online from anywhere in Missouri, funded to your debit card.
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Secured Installment Loans

Own your vehicle outright? Borrow $100 to $10,000 against its title and keep driving it. Completed in branch so the vehicle can be appraised.
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Frequently Asked Questions About Payday Loans

How much can I borrow?
A payday loan is $50 to $500.
What does a payday loan cost?
The finance charge is $22 for every $100 borrowed on a fourteen-day term. Borrowing $100 costs $122 to repay in total, and borrowing $500 costs $610. The APR on a fourteen-day term is 573.59%, and the maximum APR currently charged on short-term loans at this office is 574.00%. Your actual APR will differ for other terms and is disclosed in the federal Truth in Lending statement provided with your agreement.
Are there any other fees?
Late payment, fifteen or more days late: 5% of the delinquent payment or $15, whichever is greater, never more than $50. Returned or dishonoured item: $25, and no more than one dishonoured item fee is charged per installment.
When is a payday loan due?
In full on your next payday, after a minimum term of fourteen days.
Can I pay it off early?
Yes, and it costs you less. Interest is calculated daily and there is no early repayment penalty.
How many times can I renew a payday loan?
Up to twice, depending on your pay cycle. Missouri law allows up to six renewals, but FLEXIcash caps it at two. Before each renewal you reduce the principal by at least five per cent, so the balance comes down every time. Renewal limits apply to payday loans and not to unsecured or secured installment loans.
What do I need to bring?
Photo ID, your most recent pay stub, your most recent bank statement, and proof of your current address.
Do I need a bank account?
Yes. An active checking account is required.
Can I apply online?
Yes, anywhere in Missouri. Once approved, the funds are sent to your debit card.

Apply for a Payday Loan

Apply online in a few minutes, or visit us in Cuba, Desloge, Moberly or O’Fallon and speak to someone directly.

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Testimonials

Service You Can Count On

Hear what some of our happy customers had to say

Amy was so sweet to from the initial contact she was very helpful and clear on everything that was needed...
Ajay AlexanderOn Google
I wanted to share how sweet and kind these ladies are... especially want to shout out to Angie... she did her best at making that happen, with a friendly attitude.
Heather WilletOn Google
Great place to go. Easy to work with, very friendly and easy to talk to. Highly recommend going to see Angie and Rosie...
Misty PleasantOn Google
My experience with Flexicash was awesome! Amy was very knowledgeable and fast! Much appreciated!
Sandra WilliamsOn Google
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